Arab British Chamber of Commerce Newsletter 20

Arab-British Business Volume 39 Issue 4 December 2015 Monthly bulletin of the Arab British Chamber of Commerce

EDUCATION IN QATAR AND UK Pages 20 & 33

AFFORDABLE HOUSING NEEDS Pages 21

MENA REINSURANCE Page 22

Image of Dubai

Visit businesstraveller.com

022-23 T&T STAYBRIDGE OBEROI KG.indd 27

MARCH 2013

27

15/05/2015 12:22

CHAMBER NEWS

NEW MEMBERS Afana Holding Co for Investment

6th Floor, AlZaffer Tower, Remal Gaz Gaza, PALESTINE +970 5995 00455 alaa@afana-holding.com Frozen beef, fish, seafood, vegetables and live stock import and export

AR 18 Limited

Monthly bulletin of the A-BCC Editorial Team Abdeslam El-Idrissi Cliff Lawrence David Morgan Dr Yasmin Husein Arab-British Chamber of Commerce 43 Upper Grosvenor Street London W1K 2NJ Tel: +44 (0) 20 7235 4363 Fax: +44 (0) 20 7245 6688 d.morgan@abcc.org.uk (English Editorial) y.husein@abcc.org.uk (Arabic Editorial)

Bay B C & D, Bridgeworks, Iver Lane, UXBRIDGE, UB8 2JG +44(0)1895- 237 183 russell@ar18.co.uk www.ar18.co.uk Manufacturer of bespoke items of furniture and architectual features

BBS Group

The Willows, 13 Oakhurst Gardens, LONDON E17, E17 3PX +44(0)20-8521 7299 doctor@bbsconsultants.net www.consultants.net International Export/Import

BLS Media Limited

Unit 5 HiltonGrove, 14 Southgate Road, LONDON, N1 3LY +44(0)20-7241 1589 sam@blsmedia.co.uk www.blsmedia.co.uk Contract publishing, display media, events and digital communications

Bowden Jones Limited

22 Park Place, PENARTH, CF64 3RL +44(0)29-2048 4550 +44(0)29-2023 1905 fdean@bowdenjones.co.uk www.bowdenjones.co.uk Solicitors and legal advisers to business specialsing in corporate/commercial, cybersecurity, commercial litigation and property

Corporate Translations Limited

Wyndhams Croft, Whiteditch Lane, NEWPORT, CB11 3UD +44(0)1799-541666 info@corporatetranslations.co.uk www.corporatetranslations.co.uk Translation, typesetting, graphic design, legalisation and visa services

Distinctive Publishing Limited

Floor B Miburn House, Dean Street, NEWCASTLE UPON TYNE, NE1 1LE 0845 8842 343 john.neilson@distinctivegroup.co.uk www.distinctivepublishing.co.uk Publishers, web development, design and social media accounts

continues page 7

www.abcc.org.uk

Production & Design Distinctive Publishing Unit 2b Floor B Milburn House Dean Street Newcastle Upon Tyne NE1 1LE Tel: 0845 884 2343 www.distinctivepublishing.co.uk

Advertising Distinctive Publishing Tel: 0845 884 2343 john.neilson@distinctivegroup.co.uk

Disclaimer Distinctive Publishing or Arab-British Chamber of Commerce cannot be held responsible for any inaccuracies that may occur, individual products or services advertised or late entries.

No part of this publication may be reproduced or scanned without prior written permission of the publishers and Arab-British Chamber of Commerce.

ISSN No: ISSN 0958-8116

CONTENTS MEMBERS’ NETWORKING EVENT

4

JOINT RECEPTION WITH AIWF

6

BUSINESS & PROJECT NEWS

16

EDUCATION SECTOR IN QATAR

20

HOUSING IN THE ARAB COUNTRIES

21

MENA REINSURANCE

22

ARABIC SECTION

35

TENDERS

34

DOING BUSINESS IN THE MENA

37

BUSINESS EVENTS

41

3

4

CHAMBER NEWS

MEMBERS’ NETWORKING EVENT Mr Abdeslam El-Idrissi, Director of Trade Services, ABCC

The Chamber held one of its regular networking events for members at its Mayfair premises on the afternoon of Wednesday 21 October.

These events have proved to be extremely popular with members of the Chamber because they offer a platform for companies with complementary areas of business activities to get together and explore potential cooperation.

The networking event was immediately preceded by a seminar on investment in Tunisia at which H E Mr Yassine Brahim, Tunisian Minister of Development, Investment and International Cooperation, delivered a speech and answered questions from the

audience which comprised members and nonmembers of the Chamber. Rt Hon Baroness Symons, ABCC Chairman, introduced the Minister and presided over the discussion.

Opening the networking event, Mr Mark Njoroge, ABCC Finance Controller, welcomed the members and guests to the Chamber.

He explained that all members can participate in these events but that the slots for presentations are strictly limited and these are usually snapped up very quickly.

Mr Abdeslam El-Idrissi, Director of Trade Services, ABCC, gave a short talk on the importance of the Arab markets and the strategic role of the Chamber in helping companies to take advantage of the trade opportunities in both directions.

Mr El-Idrissi pointed out that UK-Arab trade was in the increase in 2015 following a drop last year.

He emphasised that the Chamber was empowered by the Arab League to carry out its services to business and enjoyed good relations with Embassies, government bodies and the chambers of commerce.

Eleven members were given five minutes each to introduce their companies and what they do.

The first member presentation was from Dale Carnegie Training London, a branch of the New York based company founded in 1912. The company provides courses designed to help people in business to sharpen their skills and improve their performance.

Orangefield Services (UK) Limited, part of the Orangefield Group, is a global corporate service provider with 40 years of experience.

Its services include company registration, statutory filing, director and secretarial services, compliance and management

CHAMBER NEWS

services which are all designed to help clients make the most of their businesses.

Cambridge Judge Business School (CJBS), University of Cambridge, is a centre of learning whose undergraduate, graduate and executive programmes to PhD level tend to attract innovators, creative thinkers, thoughtful and collaborative problemsolvers, and current and future leaders. It is located in the heart of Cambridge and was established 25 years ago.

Mashreq Bank is the largest private familyowned bank in the UAE established in 1967 and has a growing retail presence in the region including Egypt, Qatar, Kuwait and Bahrain. The bank focuses on providing customers will access to a wide range of innovative products in areas such as international banking, trade finance, investment and personal account services.

Battersea Power Station Development Company is a prime real estate development for retail and luxury residential properties based around the old site of the power station. It is being transformed into one of the most sought after places to live, work

and visit in London with the help of a new underground extension and the relocation of the US Embassy nearby.

TransGlobal Freight Management Limited is a fully accredited provider of freight requirements offering a personal service to customers, no matter how large or small they are. The company has been listed as one of the top 20 UK forwarder for more than three decades. It has vast experience of the Middle East markets.

Biofoodnutrition SE is a Saudi Arabian firm that has been established in London to provide a range of quality baby food products which are produced in the European Union and exported throughout the Middle East.

Products include baby milk and cereals.

Dewhurst UK Manufacturing Ltd is a leading supplier of quality components to the lift, keypad and rail industries. Founded in 1919, the company is best known for its range of high quality pushbutton products found on the London Underground and elsewhere. It won a contract to supply the Dubai Metro.

CITI Limited is a professional consultancy specialising in change management and

helping clients to develop the appropriate strategies for their own requirements. The company is planning to run regular ‘’coffee clubs’’ to which Chamber members would be invited.

Trowers & Hamlins (TH) is a leading law firm offering its clients a full list of legal services in the UK and the Middle East. In particular the firm is a specialist in business law, private wealth and immigration law. TH has a presence in more than 125 cities worldwide and its offices in the Middle East have strong associations with local firms.

Elite Luxury Lifestyle is a provider of customised services for high net worth individuals whose services include arranging luxury holidays, weekend breaks, private jets, yachts and cars, property search and event management for weddings and special family occasions.

The networking event concluded with the traditional social function which enabled delegates to interact with each other and Chamber staff in an informal setting while enjoying the delicious buffet refreshments that were available.

5

6

CHAMBER NEWS

JOINT RECEPTION WITH AIWF

Dr Afnan Al-Shuaiby

The Arab-British Chamber of Commerce was delighted to welcome many distinguished guests, to a reception co-hosted with institutional partner, the Arab International Women’s Forum (AIWF) from government, business, academia and civil society.

The get together reception held at the Chamber on 12 November was attended by members and supporters of both the ABC and AIWF. It reflects the continuing close cooperation between the two organisations following the signing of Memorandum of Understanding in July 2009.

Close to 120 guests were warmly received

by Dr Afnan Al-Shuaiby, ABCC Secretary General and CEO, and AIWF Chairman, Mrs Haifa Fahoum Al Kaylani.

In her welcome remarks, Mrs Al Kaylani, Founder Chairman AIWF, expressed her warmest thanks and appreciation to Dr Al-Shuaiby and the A-BCC for their very generous hospitality, invaluable support and cooperation in arranging the successful event.

In welcoming remarks, Dr Al-Shuaiby stated that the Chamber greatly values its cooperation with the AIWF and was proud

HE Mr Khaled Al-Duwaisan, Kuwait Ambassador & Dean of the Diplomatic Corps, in conversation with Dr Al-Shuaiby and guest at the reception.

to support initiatives that are designed to drive forward progress on Arab women’s empowerment in the private sector.

She said that the two organisations were “united in our common endeavours to support Arab women to enable them to make their contributions towards the social and economic development of their countries across the Middle East”.

Dr Al-Shuaiby praised the work of the AIWF and its Mrs Al Kaylani, stating that “over recent years there have been some notable advances in the widening of opportunities for women to develop their careers, to establish their own businesses and to join the boards of major corporations.”

The AIWF Chairman stated that Dr Afnan had played a key leadership role at the ABCC in building relations between the UK and the Arab world. She had expanded the services and significantly raised the profile of the ABCC not only within the UK and Arab world but in the international business community as well.

The AIWF had recently held a very successful 7th AIWF Young Arab Women Leaders Conference at the Qatar Business Incubation Centre in Doha, in cooperation with the Qatar Chamber of Commerce, Qatar Businesswomen Forum at the Qatar Chamber of Commerce, PwC and the Qatar Business Incubation Centre.

Mrs Al Kaylani paid tribute to the ABCC in its very special 40th Anniversary year expressing her pride in the longstanding alliance with the Chamber.

HE Mr Khaled Al-Duwaissan, Kuwait Ambassador & Dean of the Diplomatic Corps (centre), HE Mr Yousef Ali Al Khater, Qatar Ambassador (fourth right), Dr Al-Shuaiby (left), Mrs Haifa Fahoum Al Kaylani (third right) and guests.

NEW MEMBERS

from page 3

NEW MEMBERS

Excellent Sport

P.O.Box 18630, Jeddah, 21425 +44(0)7943-680720 info@excellentsport.co www.excellentsport.co Sports services and consultations

Global Minds Limited

35-37 Lowlands Road, HARROW, HA1 3AW +44(0)20-8432 3294 sachin.j@globalminds.biz www.globalminds.biz Oracle applications consulting, training and fusion applications

Hoda Lasheen Interior Design Limited 14 Basil Street, Knightsbridge, LONDON, +44(0)20-3755 3512 info@hodalasheen.com www.hodalasheen.com Interior design services

Howida Simsim Contracting Est

Jeddah Old Town, Saudi Business Centre, Ground Floor Office No. (117), Jeddah, +966 50 220 4488 howidasimsim@hotmail.com Interior designor & decorator, contracting, and article production, advertising and lab for mirrors production

Innovative Systems Incorporated

10th Floor, 30 Crown Place, LONDON, EC2A 4EB +44(0)20-7463 1000 info@innovativesystems.com www.innovativesystems.com Enterprise data quality, data management, risk management and anti-money laundering software and services

Long Rock Capital Limited

1 Cornhill, LONDON, EC3V 3ND +44(0)3713-1297 enquiries@longrockcapital.co.uk www.longrockcapital.co.uk Global hedge fund, managing assets across a number of diversified strategies for institutional investors and high net worth individuals Mr Usman Khalid

Birkbeck College (University of London), 26 Endersleigh Gardens, LONDON NW4, NW4 4SD +44(0)795-8277784 mani@barnetcallum.com Associate member - postgraduate student

Neuberger Berman Europe Limited

4th Floor Lansdowne House, 57 Berkeley Square, LONDON, W1J 6ER +44(0)20-3214 9000 imene.boumalala@nb.com www.nb.com Private, independent, employee-owned investment manager. The firm manages equities, fixed income, private equity and hedge fund portfolios

Newsdesk Media Limited 62-68 Rosebery Avenue, LONDON, EC1R 4RR +44(0)20-7650 1600 +44(0)20-7650 1616 info@newsdeskmedia.com www.newsdeskmedia.com Contract publishing

PFU (EMEA) Limited

Hayes Park Central, Hayes End Road, HAYES, UB4 8FE +44(0)20-8573 4444 +44(0)20-8573 2643 matthew.beavis@uk.fujitsu.com http://www.fujitsu.com/uk/products/ computing/peripheral/ Manufacture, sales, marketing and support of Fujitsu branded document scanners

Power & Action

16 Cowper Way, READING, RG30 3EA +44(0)777 971 6536 info@nadineandnadia.com www.nadineandnadia.com Coaching programmes

Privida Limited

1C Northsand Centre, SUNDERLAND, SR6 0QA +44(0)191-908 5632 o.akalumhe@prividaenergy.com prividaenergy.com Renewable Energy and Technology Transfer

QIB UK plc

43 Grosvenore Street, LONDON, W1K 3HL +44 (0)20-7268 7240 +44 (0)20-7268 7201 izaidi@qib-uk.com www.qib-uk.com Banking services

Ruby Boutique

P.O.Box 21, Jeddah, 21411, Jeddah, +966 5 938 22223 moniraalmulla@gmail.com http://rubyboutique.myfreesites.net/ Boutique handmade fashion jewellery design

Uniquip-Hoelscher LLC

Office 13 Top Floor, Souq Al Sulaiman Building, Salwa Road, PO Box 5673 Doha, +974 44271124 secretary@uniquip-hoelscher.com www.uniquip-hoelscher.com De watering, drilling and enviro-engineering

7

8

CHAMBER NEWS

MARKET VISIT TO UAE A briefing for delegates who were preparing to take part in a market visit to the UAE was held at the Chamber on 2 November.

The trade visit of British companies in the construction industry, organised by UKTI, was scheduled to take place over 22–26 November 2015. The visit was timed to coincide with the Big 5 Trade Show.

Mr Raphael Channer, UKTI International Trade Adviser, thanked the Chamber for its cooperation and for hosting the pre-market visit briefing.

The Chamber was making an important contribution to the success of efforts to assist UK companies in winning business in the Gulf, he said.

Mr Abdeslam El-Idrissi, Director of Trade Services, ABCC, delivered a market overview of the UAE which highlighted the top new projects that were at various stages of completion.

Mr Channer outlined to main aims of the visit as helping companies to win new business across the construction sector where activities had been boosted by Dubai’s preparations to host the World Expo in 2020.

He stated that UKTI was no longer primarily focused on helping SMEs but was now expanding its support to middle-sized businesses (MSBs).

Companies joining the market visit represented a broad range of activities including building materials supplying, interior design, urban planning, management training, tiling solutions, project management, recruitment and business development.

Sustainability, one area where the UK had significant expertise, was an important emphasis for new builds in Dubai. Many construction projects still to be launched offer unique opportunities for specialised UK companies, the UKTI adviser said.

Meanwhile, the “Abu Dhabi vision 2030” has led to the capital becoming globally recognised as a tourist venue. Yas Island, with its Links golf course, Grand Prix and Waterworld reflect Abu Dhabi’s drive to develop into one of the region’s major lifestyle and leisure destinations.

Mr Abdeslam El-Idrissi, Director of Trade Services, ABCC

Along with a visit to the Big 5 Trade Show, delegates would be attending site visits and interacting with key stakeholders during networking receptions, Mr Channer stated.

While delegates would be visiting Abu Dhabi and Dubai, the opportunities in the other emirates should not be neglected, Mr ElIdrissi advised.

During his presentation, he summarised the attractions of the UAE market to investors as consisting of its pro-business climate, transparency in regulations, first class infrastructure, the widespread use of English and modern banking system.

The economy was diversified and not dominated by oil, aiming to become 80% nonoil by 2021.

The UAE’s free zones were an important source of attraction for companies seeking to set up business in the Gulf region. More than 4,000 UK firms now operate in the UAE. Trade between the UK and the UAE was currently doing well after a dip in 2014, Mr El-Idrissi stated, highlighting the export documentation services that the Chamber provides.

Mr Faisal Durrani, Head of Research, Cluttons, delivered a briefing on opportunities in the property and real estate market in Dubai and Abu Dhabi.

He highlighted the potential for developers

to tap into affordable housing projects and schools building as well as the mega projects many of which had yet to be awarded.

In particular Mr Durrani stressed the expansion of hotel building with 100 new hotels under construction in Dubai adding to the 450 hotels that already exist.

He discussed the changing house prices and rental costs remarking that houses had increased in 50% following the news that Dubai was to host Expo 2020, while rents had recently increased by 35%.

Mr Said Chaarawi, an author and corporate speaker, gave a briefing on the business culture in the UAE and how to make the most of meetings with potential partners in the Gulf.

He described the brand awareness of high net worth individuals basing his observations on dealings with clients as a consultant.

Mr Chaarawi said that British brands were highly regarded for quality and reliability among people from the UAE who tended to base their opinions on the history of good relations between the two countries.

He suggested that UK companies could achieve success if they emphasised the heritage aspect of their products.

Finally, Ms Daniela Rodrigues from UKTI, explained the programme of activities that had been planned for the visit.

CHAMBER NEWS

TUNISIA MINISTER VISITS THE CHAMBER H E Yassine Brahim, the Tunisian Minister for Development, Investment and International Cooperation, speaking at the Chamber, with Rt Hon Baroness Symons, ABCC Chairman.

A seminar to update members on the latest business opportunities in Tunisia was held by the Chamber on 21 October 2015.

in London the day previously at which many encouraging trends in the country were highlighted.

The special guest at this meeting was H E Yassine Brahim, the Tunisian Minister for Development, Investment and International Cooperation, who was on an official visit to the UK.

The Minister thanked the Chamber for giving him a platform to explain to investors what Tunisian was doing to recover following the period of instability.

The Minister was accompanied by H E Mr Nabil Ammar, the Ambassador and officials from the Tunisian Embassy.

The discussion which was attended by many Chamber members and others was presided over by Rt Hon Baroness Symons, ABCC Chairman.

The meeting took place immediately before the Members’ Networking Event.

Rt Hon Baroness Symons began by briefly outlining some of the latest developments in Tunisia following the awarding of the Nobel Peace Prize to the Tunisian civil society groups who had formed the National Dialogue Quartet to facilitate reconciliation in the country.

The Chairman mentioned that a successful investment forum on Tunisia had been held

services and agriculture.

Tunisia aspired to become a regional hub for ICT linking the EU to Africa.

H E Yassine Brahim concluded his presentation by stressing that Tunisia needed support from investors to help it realise its plans.

He stated that there was now a more settled political environment following the agreement between the various parties, two thirds of which support the new government in Tunis.

Paying tribute to the Minister for his excellent advocacy on behalf of Tunisia, Baroness Symons pointed out that the IMF had recently expressed its confidence in the country.

Job creation by both the public and private sectors was an important priority, the Minister said.

She understood that UK companies seeking to do business with Tunisia could seek help from the export credit agency for insurance purposes.

While investors were now coming back to Tunisia and FDI was increasing, security remained a challenge especially for sectors like tourism which had suffered a 40 percent drop this year, he said.

The Minister went on to highlight promising opportunities for investors in sectors such as ICT, construction, renewable energy and transport.

He welcomed the positive relations enjoyed between his country and the European Union, pointing to the dialogue on improving trade

Much interest in the market was expressed during the discussion which saw questions asked on renewable energy plans, Tunisia’s tender process, education and vocational training and the revival of the important tourism industry.

Companies seriously interested in the market were urged to make use of the services provided by Tunisia’s Foreign Investment Promotion Agency (FIPA) which has an office in London.

9

ABCC Services

The Arab-British Chamber of Commerce offers a wide range of services for companies to help them do business. The services range from documentation for exporters to ease their access to markets, customised research, business briefings, networking opportunities to translation and visa services. Discount rates are available for members of the Chamber.

Trade Services Department The Chamber’s unique Export Documentation service is an important asset to Arab-British trade. With our extensive experience, we are ideally positioned to assist exporters entering the substantial and sophisticated Arab market, encompassing all your certification and legalisation needs.

It is essential when exporting to present the correct documentation as errors can be very expensive, leading to costly delays in payment and in clearing the goods, and even to non-payment.

The documentation service includes: l Export Documentation Service l Direct Member Documentation l EUR1 (members) l FCO Service l Notary Service l A-Cert Electronic Documentation Process

Training Courses The Chamber also provides various training courses to assist companies with their business. These include cultural awareness, language courses and courses relating to export procedures. l International trade training programmes l Business training programmes l Arabic language training at various levels

Venue Hire The Chamber’s fully equipped venue options are customised to meet all requirements for your AGMs, Board Meetings, Conferences, Presentations, Trade Shows, Exhibitions, Workshops, Lectures, Product Launches and Professional Development Seminars. For venue hire enquiries please contact Omar Bdour email: omar@abcc. org.uk; tel: +44 (0)20 7659 4860.

l Visa Service (A-BCC members’ only) l Express Service for Emergency Documentation. l A daily courier service to other destinations,

Turkey, Egypt, Iran and Argentina.

l Market Entry Report / Research

CONTACT Cliff Lawrence, Deputy Manager, Trade Services Arab-British Chamber of Commerce e: Cliff.lawrence@abcc.org.uk t: +44(0)20-7659-4881

www.abcc.org.uk

MEMBERS NEWS

DISADVANTAGED CHILDREN WINNERS AFTER SUCCESS OF 2015 SATUC CUP Sports legends and media from around the world have praised the debut 2015 SATUC Cup, brainchild of the young philanthropist Sheikha Al-Thani.

The success of the Cairo tournament, commentators have said, marked a bold new departure for the charitable endeavour, dedicated to improving the lives of some of the world’s least privileged children.

The eight-nation SATUC Cup tournament, which took place in the Egyptian capital between 27 August and 3 September, involved over 80 players and administrators from eight different countries. It was won by the host nation Egypt, who defeated finalists Cote D’Ivoire 5-2 in a thrilling contest at the Cairo Indoor Stadium on September 1 September. The award of the cup, by Sheikha Al-Thani herself, prompted ecstatic celebrations from local spectators.

SATUC founder Sheikha Al-Thani (front row third left) with some of the players in the SATUC Cup 2015

Princess Sheikha said: “Thanks to the dedication and sportsmanship of the children, and the hard work of the team coaches and of all our organisers and volunteers, the 2015 SATUC World Cup has succeeded beyond my wildest dreams.”

“We have proved that the concept of bringing children together in friendship and endeavour through the universal power of competitive football, we can create something special, an experience that will inspire these children throughout their lives. We at SATUC are already hard at work at building on the success of the event to create an even more ambitious SATUC Cup for 2017.”

Sheikha – who spoke during the contest on the value of international friendship and co-operation – also praised the support of the event sponsors, the Fairmont Hotel, which hosted the teams, and Egypt’s national carrier Egypt Air which helped ensure the smooth running of the complex transport and logistics arrangements that made the event possible, and the main media backer Alyoum 7 (Al-Youm Al-Sabi’).

She also gave heartfelt thanks to the Egyptian Government’s Ministry of Youth and Sport, the staff of the Cairo National Stadium, and the Cairo Police, who helped ensure that the tournament could take place in an atmosphere of safety and security.

Abd El Badi, the coach of the victorious Egyptian team praised the standard of soccer on display and the sportsmanship of the other competitors, adding: “I do believe the SATUC organization has taken a leading role in taking care of unprivileged children and holding this great sports event.”

Sheikha Al-Thani (left) in Morocco as guest of HM King Mohammed VI, November 2015.

The debut event, which involved teams from Egypt, Syria, Morocco, Algeria, the Philippines, the UK, Cote D’Ivoire and Mauritania, began on 27 September when the teams assembled in Cairo. The 14-15 yearold participants, many of whom had never travelled abroad before, were accommodated with style in the Fairmont Heliopolis Towers Hotel, where they received delicious daily meals, and high standards of all-round care.

SATUC also provided packed meals to the players and staff, providing the teams with the energy levels that allowed them to give their best on the field.

As well as a top flight of international soccer referees and coaches, The SATUC Cup was also supported by a stellar line up of event Ambassadors, including President Hassan Shehata and Ahmed Hassan.

The initiative attracted a galaxy of event Ambassadors, all of them legends of the “beautiful game”: Ahmed Shobair, Shawky Gharib, Jorge Luis Pinto, Nader El Sayid, Ali Al-Habsi, Ahmad Hayel, Carlo Cudici, Rabah Madjer, Ahmed Elmohamadi, Aziz

Bouderbala, Hady Khashaba, Hazem Emam, Emad Moteab, Emad Al Nahhas, Ahmed Elmohamadi, Shikabala, Magdy Abdel Ati, Aboulaye Traore, Osama Hosny, Haitham Mustafa, Hani Al-Dhabit, Khaled Al Fadhli, Fuad Anwar, Bashar Abdullah, Firas Al Khatib, Akram Nashat and Sami Al-Jaber, many of whom were present.

Other celebrities present included the Colombian Royal Ballet superstar Fernando Montano, who acts as a SATUC Ambassador and fund-raiser, actress Ragaa El-Geldani, beauty queen Yara Naoum, singer Samira Saeed and Egyptian Sports Minister El Amry Farouk.

SATUC’s founder Sheikha Al-Thani has been a global campaigner against child poverty since childhood. She conceived the idea of a tournament after noticing how kids with few advantages in their lives, were inspired to do their best while competing on the soccer pitch.

For more information see: www.satucfootballcup.org

11

12

MEMBERS NEWS

AVC – THE FOREFRONT OF LASER TECHNOLOGY Advanced Vision Care (AVC) has always been at the forefront of laser technology but with the addition of its new theatre it now houses all the most advanced refractive equipment available in the world. AVC’s new non-laser Alcon refractive suite is the only theatre in the country to have the Verion Guided System which creates the most detailed image of the eye possible, allowing for a truly personalised treatment plan; it also enables surgeons to see all alignments and incisions in real time. It has been combined with the most advanced phacoemulsification system, the Centurion Vision System and the Luxor LX3 with Q-Vue microscope, which provides the highest visual accuracy throughout treatment. Through this equipment AVC created the most advanced non-laser refractive suite in the UK. The non-laser Alcon refractive suite means that AVC is now leading innovative advances in Cataract and Clear Lens Exchange treatment. Mr Pillai, the Medical Director and lead surgeon at AVC, says: “We have always prided ourselves in being at the forefront of vision correction treatment and technology, and with the addition of our new Alcon non-laser theatre we are now

not only one of the first refractive clinics in Harley Street to conduct all forms of vision correction under one roof but also house the most advanced theatres in the country.

Our new Alcon theatre has three of the most sophisticated pieces of equipment available and we are very proud to be the only clinic to exclusively have the Verion Guided System enabling us to conduct safe and effective procedures, with the best results”.

Before officially launching the theatre AVC took a select number of patients’ including a celebrity, Michael Pattemore, and gave them the unique opportunity to be the first people in the UK to have treatment at the most advanced non-laser refractive suite in the country. A variety of Cataract and Clear Lens Exchange patients’ were treated. The success of the treatments and the new theatre was recently featured in the Daily Express as an innovation in non-laser treatments.

AVC has been actively working in partnership with independent optometrists for over ten years, having formed one of the first independent optometrist networks in the country. The company has always been very appreciative of this partnership and on the official exclusive unveiling of its new Alcon

non-laser refractive theatre on September 16th 2015 members of its optometrist network were given first refusal. Among attendees were a number of professionals including optometrists, surgeons, GPs, health insurers and industry suppliers.

The soiree was an elegant evening with champagne and canapes, where all guests were given the opportunity to speak to industry professionals and suppliers about the technology. The new Alcon non–laser refractive suite was officially opened by celebrity and patient Mr Hari Dhillon. He was followed by a couple of patient speakers including West End actress, Miss Gina Beck.

The evening was a huge success. It was not only a great celebration of an AVC milestone but looked forward to a future of excellence and unrivalled results.

Contact Advanced Vision Care 77 Harley Street London W1G 8QN Tel: 0207 935 7497 www.advancedvisioncare.co.uk

MEMBERS NEWS

THE EDUCATIONAL MAZE The UK is one of the most sought after destinations when families are deciding how best to educate their child. Home to some of the most respected independent schools in the country, London in particular is booming with international families who have relocated hoping to find that perfect school for their child, says ABCC member The Organisers.

A recent survey showed that nearly six out of ten people would send their child to a private school. This statistic illustrates just how competitive the sector has become with many parents simply finding disappointment at the end of the spectrum, regardless of their wealth status.

A 2011 survey commissioned by the Independent Schools Council on why parents send their children to Independent schools found that the most common answer was ‘Better standards of education’. Other arguments were ‘A better start in life, better chance of future careers and smaller pupilteacher ratios’.

Despite the increasing number of parents sending their children to independent school the application process itself remains complex, and for many confusing.

This is where The Organisers Schools and Education can assist. For over 17 years The Organisers have been leading consultants in the Educational Sector. The Organisers CEO Katie Shapley says the company’s heritage of trusted, highly efficient service means clients have always been comfortable with asking for help with every aspect of their children’s well-being and education.

The Organisers Schools and Education offers a bespoke service whereby parents are guided through the entire process from the initial school selection to the point of preparation for entrance examinations. This unique service provides parents with two key ingredients - comfort and knowledge.

n The Brief: To secure places for two children in over-subscribed top London Independent day schools

suitable potential schools, their strengths and weaknesses. The Organisers arranged the parent’s visits and itineraries and advised on registration and enrolment procedures.

Once complete, they provided tutors and worked with the children’s existing schools to arrange tests and entrance exams. On passing the exams and being offered places, The Organisers arranged for the school uniform and supplies to be purchased.

The Outcome: An education consultant from The Organisers arranged for the children to take educational assessments to find out their ability. Following a full brief from the client, The Organisers shortlisted and provided all details to the family about

The Organisers’ services extend beyond the classroom with a wide range of student concierge services for children’s life around their studies. Available 24 hours a day, 7 days a week. When something needs sorting out, The Organisers are the next best

To illustrate how the service would work in practice, below is a case study from a recent client: n The Client: International CEO of global company relocating to London

thing to a parent. Katie Shapley, Managing Director of The Organisers says ‘We’ll buy those trainers, make sure someone is there if a student’s flight home is cancelled or chaperone them to a medical specialist in London. If a student has excess luggage, we can take care of it directly from their dormitory. It’s the level of care we’d expect for our own child and we wouldn’t dream of delivering anything less to our clients’ children.’

For more information on The Organisers Schools and Education and how they can help with education in the UK, please contact +44 (0)207 078 7554 or email the team on education@theorganisers.com

13

A LUXURIOUS HOME FROM HOME IN THE HEART OF MAYFAIR

Grosvenor House Apartments by Jumeirah Living offers a luxurious home from home in the heart of London. Combining the refined services of a luxury hotel with the privacy, comfort and generous living space of a contemporary Mayfair residence, Grosvenor House Apartments offers a unique experience at London’s most exclusive address.

For more information please email stayGHA@jumeirah.com, visit jumeirah.com/gha or call +44 (0)20 7518 4444.

ECONOMY

GOING GLOBAL 3RD-4TH DECEMBER 2015, LONDON OLYMPIA

Going Global Europe’s leading show for expanding your business overseas is back

Going Global, Europe’s leading event for expanding your business overseas, returns to Olympia, London on 3rd and 4th December. The show is fast approaching so we wanted you to get in the diary as early as possible. The ABCC is pleased to announce that it will be exhibiting at the event.

IREF SUMMIT 2015 1ST-2ND DECEMBER 2015, THE JUMEIRAH CARLTON TOWER, LONDON ICG-Events is organising the annual IREF Summit which is now in its 11th year.

The event is scheduled to take place on 1st-2nd December 2015 at The Jumeirah Carlton Tower, Knightsbridge, London.

On the evening of 1st December, ICG will also be hosting the IREF Summit Awards of Excellence which will take place at the event’s Gala Dinner.

The confirmed speakers for this year’s key sessions include: The Rt Hon Hugo Swire MP - Minister of State, UK Datuk Ismee Ismail - CEO, Lembaga Tabung Haji Hassan Sunbol - CEO, Global Real Estate Company Stella Cox - Managing Director, DDCAP Group Fergus Hicks - Global Head of Forecasting, Cushman & Wakefield Abradat Kamalpour - Partner, Ashurst Faisal Durrani - Head of Research, Cluttons

LLP Trevor Norman - Director, Islamic Finance & Funds Group, Volaw Group Andrew Sneddon - Partner, Trowers & Hamlins Justine Leigh-Bell - Senior Manager, Standards & Certification Scheme, Climate Bonds Initiative An Oasis Group Representative Mushtak Parker - Editor, Islamic Banker Raficq Abdullah - Muslim Law Shariah Council Muhammad Nurullah Shikder - EVP, Head of Shariah Advisory & Shariah Compliance, Gatehouse Bank The IREF Summit prides itself on being industry led and industry focused and over the years has established itself as the foremost gathering based on its ability to bring together the leading industry experts and institutions to explore the key issues impacting the sector and its future development.

Please visit the Summit website: www.irefsummit.co.uk for the full event details or contact info@icg-events.com should you have any queries or require further information about how to attend.

The show consists of 60 worldrenowned suppliers and focuses on how to enter the MINT Economies, Central Emerging Europe, Africa, Western Europe, USA, ASEAN, MENA/Gulf States and the East Mediterranean markets. There is also a focus on various vertical markets, including the retail, manufacturing, international e-commerce and technology sectors.

Accompanying the extensive list of suppliers is 80 comprehensive seminars where industry experts will be sharing their thought-leading guidance. The likes of UK importer champion Lesley Batchelor OBE, the UKTI Hall with various UKTI International Trader Advisors and John Pearce, CEO of Made in Britain will be sharing their insightful expertise with visitors for absolutely free!

Going Global was created to provide the one-stop marketplace for visitors to find everything they need to expand their business overseas and make the international leap as hasslefree as possible. This show provides the most up-to-date information on entering new markets, new trends, new legislation and will cover every stumbling block so you can expand overseas with ease.

See the website for more information or to order free tickets to attend: www.goinggloballive.co.uk

15

16

BUSINESS & PROJECT NEWS

$180 MILLION FOR GREEN PROJECTS IN LEBANON Leading Lebanese bank, Banque Libano-Francaise (BLF), has provided $180 million in funding for green projects that are helping Lebanese companies and homeowners cut costs, spur growth, and protect the environment, thanks to its partnership with the IFC, part of the World Bank Group.

IFC partnered with BLF in 2011 to help the bank increase awareness on the protection of the environment, build a knowledge base for its staff and personnel and expand its loan offerings for corporations, schools and home owners that want to invest in eco-friendly projects.

BLF has now provided several loans to Lebanese businesses, totalling over $180 million, including the Arab Printing Press, a Beirut-based printing company with 130 workers, which embarked on a milestone photovoltaic project with technical assistance from IFC and bank loans from BLF, and now produces its electricity from solar panels.

Maurice Iskandar, Head of International

Division and Member of the Executive Committee at BLF, said they were helping to promote “a socially responsible green attitude by actively participating in shaping environmental policies and communicating our ‘green’ vision, in addition to developing eco-friendly products and services within a long term vision towards sustainable banking”.

BLF was the first commercial bank in MENA to participate in the IFC’s sustainable energy finance programme. The IFC assisted the bank to reach out to entrepreneurs and scale-up its sustainability-related lending in the country.

IFC, 17/09/2015

A STRONGER GLOBAL TRADING SYSTEM The strengthening of the global trading system was one of the topics discussed at the G20 summit meeting in Antalya, Turkey.

The official G-20 communiqué included the following statement about world trade: “The WTO is the backbone of the multilateral trading system and should continue to play a central role in promoting economic growth and development. We remain committed to a strong and efficient multilateral trading system and we reiterate our determination to work together to improve its functioning.

“We are committed to working together for a

successful Nairobi Ministerial Meeting that has a balanced set of outcomes, including on the Doha Development Agenda, and provides clear guidance to post-Nairobi work.

We will also need to increase our efforts to implement all the elements of the Bali Package, including those on agriculture, development, public stock holding as well as the prompt ratification and implementation of the Trade Facilitation Agreement.

“We will continue our efforts to ensure that our bilateral, regional and plurilateral trade agreements complement one another, are transparent and inclusive, are consistent with and contribute to a stronger multilateral trade system under WTO rules.

We emphasize the important role of trade in global development efforts and will continue to support mechanisms such as aid for trade in developing countries in need of capacity building assistance.”

WTO, 16/11/2015

ALGERIA DISCUSSES JOINT MINING PROJECTS Discussions are underway with several foreign partners for the exploitation of mining deposits like Gara Djebilet deposit concerning iron and phosphate, Minister of Industry and Mining Abdesselam Bouchouareb said.

During a visit to Ain Defla, the Minister revealed that discussions were taking place with Chinese companies for the exploitation of iron ore deposit of Gara Djebilet (Tindouf), worth 3 billion tonnes.

He also mentioned the conclusions of a Canadian firm’s study on the potential of the Gara Djebilet deposit, according to which the phosphorus content of the deposit is 0.03%, while the iron content is about 62%.

Having a “commercial value”, the deposit exploitation will meet “the important demands of all the industries, including the mechanical industry in Constantine and the automobile industry in Oran, which will progress towards the manufacturing of engines Deutz in Constantine,” Bouchouareb added.

In addition, he indicated that discussions were ongoing with Rio Tinto to invest in the field of aluminium which is an important product for the mechanical and automotive industry.

The valuation of phosphate was also raised by the Minister who noted that Algeria produces one million tonnes, but argued that the country has the means to increase the output to 10 million tonnes of phosphate fertilizers and valued livestock feed by 2020.

APS, 12/11/2015

BUSINESS & PROJECT NEWS

DP WORLD SIGNS NEW AGREEMENT WITH PORT OF SOUTHAMPTON DP World Limited announces that it has agreed with Associated British Ports (ABP) to extend the license agreement for DP World Southampton for a further 25 years until 2047.

Simultaneously, DP World announces that it has acquired the remaining 49% stake in DP World Southampton from ABP, making DP World the sole owner of the business.

Chairman Sultan Ahmed Bin Sulayem commented: “We are delighted to announce the 25 year extension of the license agreement for DP World Southampton, which is one of the most efficient terminals in the UK and the only deep-sea container terminal on the south coast of England.

Also, through full ownership of DP World Southampton, we will now be able to combine with DP World London Gateway, the newest deep-sea container terminal and logistics park at the heart of the UK’s biggest consumer markets, to offer our customers the best possible service, and long term growth, in the UK.” Ganesh Raj, Senior Vice President and Managing Director of DP World in Europe and Russia, said: “This news underlines our commitment to the UK and our ongoing presence in developed markets as an important part of our global network. I look forward to the synergies that the two ports will bring to our operations and the contribution they make to the UK economy, infrastructure and local employment.”

ABP Chief Executive James Cooper said: “This isn’t just good news for the port of Southampton but this is good news for the entire city. The deal provides a solid foundation for the continued growth and development of the UK’s most productive container port.”

DP World Southampton, 02/11/2015

EMPLOYMENT TRENDS IN THE GCC A recent IMF working paper provides some indication of the changing nature of the labour market in the Gulf states. In particular, it looks at the challenges of creating more employment for nationals within an expanding private sector in an era of lower oil prices.

Saudi Arabia’s nationals, the report states, constitute a larger share of private employment than in other GCC countries.

Qatar’s share, meanwhile, is strikingly low and Kuwait’s is almost as low despite a recent rise.

Growth rates for expatriates exceed those for nationals in three out of the five countries and overall.

The ratio of nationals to expatriates in the private sector is less than 1-to-5, and this ratio has fallen slightly since 2006.

With the sharp fall in oil prices in late 2014 and early 2015, fiscal positions have weakened, and addressing the jobs shortfall through public hiring is therefore not feasible.

For many GCC countries, public sector work is seen as an entitlement for men, which limits investment in education by males. This would imply that nationals are neither willing nor able to respond to demand from private sector firms rapidly.

In contrast, the supply of expats with requisite skills is plentiful; GCC firms currently have a seemingly unlimited supply of workers from abroad on temporary contracts.

Using forecasts of non-oil GDP growth, the number of private sector jobs created for nationals will cover about one third of the labour market entrants expected from 2015 to 2020. Therefore, two thirds of these new entrants will need to find or be offered alterative options.

The report, published online in August, considers some possible policy responses to address these labour market challenges.

The cost of hiring expatriates relative to nationals could be increased by imposing higher fees on firms for hiring expatriates, provided the incidence is borne by the firms and not the workers.

Skills mismatches should be reduced by improving the quality of education and on-the-job training. While incentives for nationals to invest in skills appropriate to the private sector can be addressed through the reduced availability of public sector employment opportunities, continued investment to improve the quality of education supplied is critical.

The report can be read in full at:

www.imf.org/external/pubs/ft/ wp/2015/wp15191.pdf

SAUDI ARABIA TO START PRIVATISING AIRPORTS NEXT YEAR Saudi Arabia will begin privatising its airports and related services in the first quarter of 2016, the country’s civil aviation authority said.

“The privatisation programme comes in line with the Kingdom’s plan to improve the productive efficiency of airport systems and ease the financial burden on (the) state budget,” Sulaiman Al-Hamdan, chairman of the General Authority of Civil Aviation (GACA), said in the statement.

It is reported that King Khaled

International Airport in Riyadh will be the first asset to be privatised in the first quarter next year.

Air traffic control and information technology units will follow in the second and third quarters respectively, the statement said.

Other units at the country’s international airports, as well as local and regional airports, will also be privatized according to a schedule to run up until 2020, the statement said.

Saudi Arabia has privatised units of the national airline in recent years. Saudi Airlines Catering Co. and Saudi Ground Services Co. have been listed on the stock market and the cargo unit is expected to be next.

The Kingdom has been investing heavily in aviation infrastructure to back the industry’s expansion plans, including building multi-billion dollar projects to expand capacity at the country’s airports.

Reuters, 15/11/2015

17

18

BUSINESS & PROJECT NEWS

PRIVATISATION IN ARAB CELLULAR MARKETS The local private sector has the highest share of cellular revenues in Palestine, Syria and Kuwait, a report has shown.

The Arab Advisors Group analysed the ownership structure and revenues of all cellular operators in fifteen Arab countries.

The analysis sought to examine the “actual” level of privatisation and state ownership in each country measured by the proportionate share of each operator of total cellular market revenues.

The analysis revealed that the Palestinian, Syrian and Kuwaiti cellular markets are the most privatised markets, whilst Lebanon telecom market is not privatised. Foreign

ownership proportionate share of cellular revenues is the highest in Jordan and Sudan, followed by Algeria and Egypt.

The Arab Advisors Group analysed the ownership structure and revenues of forty cellular operators around the region with the intention of shedding light on the actual level of privatisation and state ownership in each country measured by the proportionate share of total cellular revenues for 2014. The proportionate revenue share was calculated by multiplying each operator’s share of total revenues by the percentage of shares owned by government, public sector institutions, local private sector and foreigner investors in the country.

The report, “Privatization Levels in Arab Cellular Markets” prepared by the Arab Advisors Group discusses these issues in more detail.

AAG, 29/10/205

MOROCCO TENDERS FOR MOBILE SATELLITE LICENSES Morocco has launched a tender for Global Mobile for Personal Communication System (GMPCS) mobile satellite phone service licenses.

A press release by Moroccan telecom regulator ANRT mentioned that there is a 2 December deadline for interested parties to purchase bidding documents at a cost of MAD24,000.

Earlier, the Moroccan cabinet approved the award of five satellite communications licenses.

Three of the new licenses were for VSAT services, previously awarded by ANRT to

Maroc Telecom, Wana Corporate, and Societe d’Amenagement et de Developpement Vert (SAMV).

The license holders must pay MAD 19 million for the licenses and start service within one year. The other two licenses were for 3RP trunked radio services, awarded to Cires Telecom and SAMV. The license fee is set at MAD 600,000, and service must also begin within one year. Both types of licenses have a 10-year term and can be renewed in increments of 5 years.

MWN, 17/11/2015

UK PRIME INVESTMENT DESTINATION OF QATARI INVESTORS The United Kingdom is the prime investment destination of Qatari businesses, said Sheikh Faisal bin Qassim Al Thani, Chairman of the Qatari Businessmen’s Association (QBA), in a meeting with the UK Trade and Investment Managing Director, Michael Boyd.

“The UK has been and still is, a prime destination for Qatari investors,” said Sheikh Faisal, expressing readiness to cooperate with the UK to enhance bilateral investments.

The trade exchange between the two countries has increased to $5.3bn.

Qatar’s exports to Britain account to $4.5 billion, mostly in the energy and gas sector, which represents 98 percent of Qatar’s exports to Britain, and the value of British goods exported to Qatar reached about $2bn.

With regard to the services sector, the UK is working in this sector for more than five years in Qatar, especially in the banking and financial advisory, insurance and other service sectors; which amounted to more than $500m.

“The UK continues to be open for business and welcomes foreign investment from Qatar and we are proud to be the number one destination for foreign direct investment in Europe,” Boyd stated.

Both sides also discussed the taxation system imposed on investors and owners of real estate properties in the UK. They also went through some of the obstacles they face in investing in the UK and possible ways of resolving them.

In this context it was agreed to organise a seminar for Qatari investors to explain the taxation system in the UK, the calculation of taxes as well as the legislative infrastructure for foreign investment, and also to display potential investment opportunities.

The Peninsula, 18/11/2015

BUSINESS & PROJECT NEWS

SMES IN DUBAI SERVICE SECTOR DOMINATE TOP 100 LIST Dubai has recognised the contribution of top performing small and medium enterprises (SMEs) to its economy.

Shaikh Ahmed bin Mohammed bin Rashid Al Maktoum, chairman of the Mohammed bin Rashid Al Maktoum Foundation, honoured owners and executives of SMEs that made it into the Dubai SME100 ranking in its third edition.

Launched in 2011 by Dubai SME, an agency of the Department of Economic Development (DED) in Dubai, Dubai SME100 identifies the top-performing SMEs in Dubai to help them grow into bigger, internationally oriented and more sustainable enterprises, and supports them through their growth.

Together, companies enrolled in the third cycle represent net revenues of Dh69.5 billion for a workforce of over 144,000. The service sector accounts for the lion’s share of registrations in the third cycle at 57 per cent while 34.5 per cent (1,565) are trading companies and 8.4 per cent (382) are manufacturing firms.

The number of enrollments in the third cycle

was 4,532, an increase of 49 per cent compared to 3,041 companies in the second cycle.

“Today, Dubai - because of its global reputation as an entrepreneurial hub - is increasingly becoming a launchpad for SMEs in vital sectors such as health, education, information technology, logistics, tourism, hospitality and others,” Sami Al Qamzi, director-general of DED, said at the awards ceremony.

“Micro enterprises account for 72 per cent of the total business population in Dubai, small enterprises constitute 18 per cent and midsized businesses, another five per cent. Midsized businesses contribute about 17 per cent of the total value added to the economy of Dubai, while the respective share of small enterprises is 14 per cent and that of micro enterprises is about eight per cent.

“In the trade sector alone, SMEs account for 47 per cent of the total value added while its share in the service sector is 41 per cent and 13 per cent in the manufacturing sector,” added Al Qamzi.

Khaleej Times, 16/11/2015

TUNISIA IS TOP OLIVE OIL EXPORTER WORLDWIDE Tunisian olive oil exports have reached a record 299,300 tons for a value of over 900 million euros, according to the latest data published by Tunisia’s industry minister concerning the month of September.

According to the data on the 2014-15 season, Tunisia has become the world’s top exporter of olive oil ahead of Spain.

All magazines in the sector published in the North African country confirmed the data, reporting a six-fold increase in exports value from the 2013-14 season at some 46,400 tons. The average selling price of olive oil, according to the Tunisian industry ministry, has increased 8.3% from the same period during the previous season.

Olive oil represents the top Tunisian agricultural product to be exported (60%) and has fundamental importance for the

country, indirectly employing about one million workers.

Recently, a European Commission proposal to widen Tunisian olive oil import quotas from previous annual quotas set until December 31, 2017, were opposed by Italian producers. The EU decision to allow the export of an extra 35,000 tons of olive oil annually from Tunisia to the Union ‘’was not taken in a bureaucratic manner but takes into account the current situation of the market’’, explained Daniel Rosario, spokesman for EU agricultural commissioner, Phil Hogan.

He noted that the measure was taken by the 28 member states as a concrete sign of solidarity towards a country seriously affected by recent terror attacks.

ANSAmed, 12/10/2015

INVESTMENT IN INNOVATION ON THE INCREASE Investment in innovation is on the increase and emerging economies are now major players in science and innovation, according to a report from the OECD. This said that by 2013 total R&D spending in the OECD area grew 2.7% in real terms to reach $1.1 trillion, while its share in GDP remained unchanged from 2012 at 2.4%. The increase was driven by business R&D, while government R&D was hit by budget consolidation measures.

Innovation relies not only on investment in R&D, but also on complementary assets such as software, design and human capital, i.e. knowledge-based capital.

Investment in knowledge-based capital has proven resilient to the crisis and 2013 data showed knowledge-based capital investment intensifying in every sector of the economy.

Firms investing in R&D are more likely to introduce innovations. In 2015, 28 OECD countries were using R&D tax incentives to support business R&D. This support accounted for nearly $50bn in 2013.

Demand also matters for innovation.

Participation in procurement markets is more common among large firms than among SMEs, and is far more likely among innovative than non‑innovative firms.

A few centres of excellence continue to dominate the science and innovation landscape however. The US accounted for 22 of the top ‑ 30 universities with the highest relative impact over 2003 ‑12.

The top 30 high‑impact, typically public, research institutions are spread over 14 different locations, including non-OECD economies. Four countries, the US, the UK, Germany and China, accounted together for 50‑70% of high‑impact publications across all scientific disciplines.

In 2012, the 2,000 leading R&D corporations and their network of 500,000 affiliates accounted for more than 90% of global business R&D and 66% of patents filed at the largest five intellectual property offices worldwide.

Within the top 2000, 250 corporations accounted for 70% of R&D expenditure, 70% of patents, almost 80% of ICT‑related patents, and 44% of trademarks filings.

The OECD Science, Technology and Industry Scoreboard 2015 can be found at www.oecd.org/science/oecd-

science-technology-and-industryscoreboard-20725345.htm

19

20

EDUCATION

OPPORTUNITIES FOR SCHOOL DEVELOPERS AND EDUCATION OPERATORS IN QATAR Real growth in the Qatar economy and stability translates positively towards sectors such as education and healthcare.

High quality staff, diverse facilities and creating paths to top tier universities will give new schools the edge, a new report states.

Doha’s education sector is set for rapid transformation in the coming years with between 8 to12 new schools with a capacity of 1,500 to 2,000 students per school expected to be required each year by 2022.

School developers and operators are increasingly recognizing these opportunities as Qatar continues to develop.

The Doha Education Overview 2015 issued by Colliers International, a global leader in real estate advisory in sectors including education and healthcare, provides a snapshot of the key factors impacting Doha’s education sector and its future outlook.

Signifficant growth has been witnessed within the private education market. Growth has been supported by a preferential shift towards international education generated by the national population and expatriate residents.

International operators are expressing keen interest to establish presence in Qatar – Due to positive demographic and socioeconomic indicators Well-run private schools generate healthy margins “Our experience in the GCC suggests that high quality, efficient international schools could achieve net profit margins ranging between 15% and 20% (stabilised operations),” Colliers International states.

There are four broad categories of schools operating in Qatar i.e. independent, international, community and private Arabic schools.

Independent Schools (Government Schools) comprise 48% of the total schools operating in the country. However, the fastest growing segment is International Schools which as of the academic year 2013 constituted 35% of the total number of schools in Qatar.

Tuition fees charged by private schools vary significantly in terms of curricula, type and quality of facilities offered and staffing

standards. Fees can vary from approximately QAR 9,000 per annum (approx. $2,500) to QAR70,000 (approx. $19,000) for a 12th Grade student studying in an Indian and an American Curriculum School, respectively.

American schools command the highest range of tuition fees across private schools in Qatar, with annual fees ranging between QAR 38,000 per annum (approx. $10,500) to QAR 70,000 per annum (approx. $19,000) followed by International Baccalaureate (IB) and British curriculum schools.

A high population growth rate remains the key factor in the growing demand for education in Doha. The population of Qatar reached 2.21 million in 2014 from 1.45 million in 2008, with current projections anticipating a further increase to 3.09 million at a 4% growth rate and 3.53 million at a 6% growth rate by 2022.

Given that Qatar’s population is primarily constituted by expatriates, falling within Generation X, Y and Z, this translates into a wide base of young parents and school attendees.

Further the transient nature of Doha’s population leads to a preference for international curriculums, typically American or English, due to their transferable nature, and for private education choices.

Additionally a large number of the Qatari population also prefer to send their children to private rather than government schools.

Qatar’s workforce constitutes a large proportion of the population, thus explaining the large concentration of individuals between the active ages of 25 and 65.

HIGH POPULATION GROWTH RATE The population of Qatar reached 2.21 million in 2014 from 1.45 million in 2008, registering a CAGR of 6.3%. As per estimates, the population of Qatar is to reach 3.09 million by 2022 (4% population growth). Some analysts suggest a population growth of 6% during this period which would result in a population of 3.53 million by 2022.

SCHOOL GOING POPULATION The majority of the population falls between Generation X (1965 – 1980), Generation Y (1981 – 2000) and Generation Z (2001 –

present); which translates into a wide base of young parents and school going population.

All of these factors are attracting private education providers and operators with the resultant growth in new K-12 schools within Doha.

Mansoor Ahmed, Director of Healthcare, Education and PPP at Colliers International, explained: “Qatar’s rapid economic development is translating positively into a larger population and expanding education sector. Given that a well-run school can achieve profit margins of around 20% once stabilization years are complete, private investors and operators are increasingly looking at the Qatar market as a major opportunity.”

The report reveals a number critical success factors for the education sector in Qatar that investors and developers should carefully consider.

Establishing and maintaining a good working relationship with the Supreme Education Council (SEC) is essential in ensuring a positive reputation. As the SEC is responsible for approving any expansion plans and for considering any requests for increased tuition fees the importance of this relationship cannot be understated.

The quality of teaching staff is critical to the long term success of a school, however, similar to other countries in the GCC attracting and retaining quality staff is a major challenge in Qatar.

Existing and new schools can also benefit if a link between leading universities and the schools is established, which could possibly lead to students continuing into further education cycles. If located in close proximity there is also the possibility of shared facilities.

“As new schools are opened, competition will increase and certain areas will require extra focus to ensure the long-term success of an establishment. For example, the provision of facilities for after school clubs or sports activities. These facilities add considerable costs to a school both to build and operate, but can often be linked to the school brand or ethos.” Ahmed concluded.

Colliers International, 30/09/2015

HOUSING

ARAB COUNTRIES NEED AFFORDABLE HOUSING Shortage of “middleincome” housing is a major issue in the Middle East and North Africa (MENA) region, according to a recent MENA ‘Middle-Income’ Housing report.

JLL, a leading international real estate investment and advisory firm, published a special report on the middle-income housing segment in the MENA region, which highlights the social and economic impact of a marked shortfall in the required supply of middle-income housing. It suggests that significant efforts are needed to address the current housing imbalance.

JLL defines ‘middle-income’ housing as that provided by the market which is affordable to the middle tranche (i.e. 40-60%) of households on the assumption that they spend no more than 30% of their gross household income on housing.

The definition of affordable varies across the region in terms of ‘price point’. JLL’s report indicates that an ‘affordable’ sales price in the UAE is currently around AED790,000 with an affordable annual rent of around AED72,000. In KSA, the affordable sales price is around SR450,000 and the affordable annual rent is around SR47, 000. While in Egypt, the affordable sale price is around EGP285, 000 and annual rent around EGP32,000.

The report noted that this shortage is an important and consistent issue across all three major MENA markets (KSA, Egypt and the UAE). While there is a general recognition of the problem and a growing number of policy initiatives and projects targeting the middle-income sector, more needs to be done if the current shortage is not to widen further before it is reduced, the report pointed out.

The importance of the middle-income sector of the market should not be under estimated, as it accounts for over 60% of all households in both KSA and Egypt. That equates to 3.3 million households in Saudi Arabia and 12 million in Egypt. The relative numbers in the UAE are smaller, but there are still over 820,000 middle-income households,

representing almost 40% of all households in the UAE. In 2011, JLL identified the need for an additional 3.5 million affordable homes across the region. This gap has almost certainly increased over the past 5 years as the vast majority of developments delivered and conceived throughout MENA over this time, have been aimed at more affluent households.

Only 22% of residential units launched in 2015 to date in Dubai are ‘affordable’ to ‘middle-income’ households according to JLL’s definition, “while we have not seen any residential units being launched this year that meet our definition of ‘affordable’ in the other markets.”

The report highlighted several factors that have contributed to the current shortage of affordable housing, including: n High land values which have reduced access to affordable land n High capital costs for associated infrastructure development such as roads, electricity and sewerage n Low adoption of prefabricated construction techniques have contributed to higher construction costs n Lower financial returns compared to other residential sectors, making such developments less attractive for developers n Limited access to suitable finance for low income families, due to generally immature mortgage markets.

The complexity of these factors means that solutions are not necessarily easy to find. The report suggests that resolving the shortage of middle-income housing requires a concentrated effort involving government agencies, private developers and other stakeholders.

It focuses on six key factors: n Providing developers with access to affordable land n Reducing the cost of infrastructure and land servicing costs borne by affordable housing projects n Promotion of industrial approaches to construction and more unified, large scale procurement processes to reduce construction costs n Adapting developers’ business models to

make affordable homes more attractive n Improve access to mortgage financing through regulation and encouragement of financial services industry to allocate certain funds middle income households n Regulate the delivery of affordable homes and ensure ongoing affordability. Dubai’s RERA has shown that rental caps can protect middle-income households from spiraling rent increases.

Craig Plumb, Head of Research at JLL MENA, said, “while none of these solutions are easy, we believe that working together, governments and developers can address the shortfall that JLL has identified in this report.”

He noted that “governments around the region have started to allocate significant financial resources to encourage more development of middle-income housing, but more needs to be done. We believe there is a need to re-think the existing relationship between government and the real estate development industry to create more affordable housing that middle income families can afford.

“We also recommend more innovative planning and design initiatives to create more attractive, environmentally sustainable and cohesive communities as well as accessible financing, empowering middle income families to take a stake in their future.”

Plumb cited several examples of best practice that offer some hope that changes are already beginning to take root.

“Developments such as Nshama’s Town Square in Dubai show that private sector developers are able to deliver affordable product for middle-income households in the UAE. Elsewhere in the region, timely government initiatives such as the launch of the KSA Ministry of Housing‘s ‘ESKAN’ project should result in progress toward the supply of 500,000 affordable units as it aims to increase the proportion of homeowners in the Kingdom. In Egypt, both Arabtec and Orascom are also contributing significantly to the need to provide more affordable homes.”

JLL is a member of the ABCC. The report can be found at: www.jll-mena.

com/mena/en-gb/news/201/shortageof-middle-Income-housing-is-a-majorissue-in-the-mena-region

21

22

MENA INSURANCE

MENA ATTRACTS GLOBAL REINSURANCE PLAYERS The MENA region remains an attractive destination for the global reinsurance industry.

According to the 2015 MENA Reinsurance Barometer, published by the Qatar Financial Centre, strong primary insurance market growth and a perceived low exposure to natural perils still lure further regional and global reinsurance capacity to the region.

“Reinsurance capacity is expected to further expand in the MENA region. This is the main finding of the MENA Reinsurance Barometer which we have been publishing since 2011,” says Sheikh Salman bin Hassan Al-Thani, Chief Strategic and Business Development Officer of the Qatar Financial Centre.

The 2015 MENA Reinsurance Barometer is based on in-depth interviews with senior executives of 32 regional and international reinsurance companies, ceding companies and intermediaries operating in the MENA region.

Now in its fifth year, the MENA Reinsurance Barometer provides a unique overview of the current state and near-term prospects of the MENA reinsurance market, which generates an estimated $13 billion in total non-life reinsurance premiums, approximately 7% of the world’s total.

The report shows that insurance penetration remains remarkably low in the region, given relatively high levels of per-capita income.

Non-life and life premiums in 2014 accounted for just 1.4% of GDP, less than a quarter of the global average. However, this gap is narrowing as MENA insurance markets outpace regional GDP growth. Between 2009 and 2014 total non-life and life insurance premium volume in the region expanded from about $32 billion to more than $51 billion.

The region’s four largest insurance markets – including UAE and Saudi Arabia from the Arab states– account for about three quarters of the total premium pot.

Life business continues to play a relatively minor role, accounting for just 15% of the MENA insurance market. Since 2009, life insurance premiums have grown in line with non-life business (at an annual average real rate of 8.3% compared to 8.5%). Catch-up for the life insurance sector therefore remains elusive.

In the MENA region, about 30% of nonlife insurance premiums are ceded to reinsurance companies (calculated as the weighted average of the countries listed). The total estimated non-life reinsurance market volume for 2014, accordingly, amounts to about $13 billion.

But there are significant regional differences in reinsurance purchasing behaviour. Cession rates in the GCC countries still tend to be highest, except for Saudi Arabia and Qatar.

This reliance on reinsurance reflects the dominance of a direct insurance business model based on commission and investment income which, in turn, is driven by abundant reinsurance capacity and a general lack of technical expertise needed to retain more risk.

Even though cession rates in the GCC have been declining, they remain high compared with other countries of similar wealth and the global average of about 10%, according to Swiss Re and Guy Carpenter. The declining trend in the GCC region is primarily attributable to above-average growth in personal lines, such as motor and medical insurance.

These lines of business have significantly lower cession rates than more volatile commercial segments of business where net retentions remain marginal, also as a result of very inexpensive reinsurance.

In markets such as Morocco and Algeria, insurers’ risk appetite is significantly more pronounced than in other parts of the region.

Saudi Arabia’s low aggregate cession rate reflects the fact that the country’s non-life insurance portfolio is dominated by largely retained medical and motor business.

As in previous years the survey respondents consider the region’s robust insurance market growth, which clearly outperforms the global average, as the first most relevant strength of the reinsurance marketplace.

A strong pipeline of infrastructure and construction projects ranks second, as in 2014, as major activities have been launched, for example in preparation for the Dubai World Expo 2020 and the FIFA World Cup 2022 in Qatar.

In addition, spending seems to be relatively resilient to the decline in oil prices that began in the summer of 2014. The region’s relatively low natural catastrophe exposure (with a few notable exceptions) is the third most frequently mentioned strength, as in 2014. This makes the region very attractive from a global diversification point of view.

Furthermore, it is worth mentioning that the openness of the region’s reinsurance market has been more frequently mentioned as a strength than in previous years. This may reflect an increasing trend towards restricting cross-border reinsurance in other emerging markets, such as in Asia.

As in previous years, most interviewees identify the low penetration of MENA insurance markets as the key market opportunity. With total premiums accounting for just 1.4% of GDP, the insurance penetration of the MENA region is less than a quarter of the global average, despite the fact that the region’s GDP per capita matches the global average.

Therefore, the low penetration is considered a major opportunity for reinsurers in the MENA region even though the bulk of premium growth is contributed by personal lines, such as motor and medical, which are largely self-retained by insurers.

Regulatory frameworks rank as the second major opportunity, making its first ever appearance in the GCC/MENA Reinsurance Barometer. Following the Saudi Arabian Monetary Agency’s (SAMA) example in Saudi Arabia, other authorities, namely in the UAE and Qatar, are preparing to introduce more modern and risk-based regimes which are expected to promote market discipline.

As in 2014, the development and introduction of new insurance products is considered the third most relevant opportunity. Specific opportunities mentioned by the executives polled range from new liability products (for example, medical malpractice and professional indemnity) and specialty policies covering cyber and renewable energy risks.

Some 49% of interviewees expect the share of Western capacity to increase over the next 12 months, up from 41% in 2014.

More specifically, Lloyd’s entry to the market

MENA INSURANCE

through a regional presence is expected to increase the share of Western capacity, in particular in the field of large risks. A partially offsetting factor is the current political uncertainty which has prompted some Western players to reduce their involvement.

Only 19% of participating executives, compared with 35% in 2014, believe that the share of regional and Asian (non-Western) capacity will increase at the expense of more traditional sources from Continental Europe, Bermuda and London.

Some players are retrenching following significant underwriting losses. However, Chinese capacity, still largely absent from the MENA markets, is considered a wild card and could change the picture.

Interviewees were also asked about the estimated split between these three sources of capacity. On average, Western reinsurers are believed to boast a market share of more than 50%. Based on the executives’ estimates, Asian and regional reinsurers accounted for less than 30% and 20% of the market respectively.

KEY FINDINGS Only 17% of executives polled believe that reinsurance premium growth will outpace

regional GDP growth over the next 12 months, down from 28% a year ago.

The widening of terms and conditions seen in 2014 has continued offsetting most of the improvements recorded since 2011. The share of interviewees citing loose terms and conditions, against the five year average, increased dramatically, from 23% to 71%.

The outlook remains challenging, with 45% expecting a further loosening.

The percentage of participants expecting reinsurance capacity in the MENA region to expand further has increased marginally to 91%. The region remains an attractive high growth, low-catastrophe market. However, the share of those expecting capacity to increase by more than 10% has dropped from 18% to 3%, suggesting a deceleration in growth.

Some 49% of interviewees believe that the share of Western capacity in the region will continue to increase – up from 41% in 2014 – driven by the abundance of global capital and an enhanced local presence of Western reinsurers.

Retention levels in the region remain low compared with other markets – on average domestic insurers in the MENA region cede 30% of their premium income to reinsurers.

Only 42%, down from 65%, of respondents, expect to see rising retentions over the next 12 months. As reinsurance capacity is abundant and inexpensive, there is little economic incentive to retain more, despite continued pressure from rating agencies, regulators and reinsurers to have ‘more skin in the game’.

Overall, reinsurance business sentiment in the MENA region remains mildly positive in light of strong primary market growth and improving regulations, in addition to longterm fundamentals such as a young and growing population, in combination with a low insurance penetration.

The positive factors offset the negative, such as continued fierce competition and exacerbating political instability. Measured on a scale from -5 to +5 (very bearish to very bullish), sentiment currently stands at 0.3, immaterially down from 0.4 a year earlier. It is expected to return to 0.4 by summer 2016.

A copy of the report can be downloaded at: www.qfc.qa/Documents/MENA_ reInsurance2015.pdf

23

24

LAW

DUBAI’S NEW PPP LAW

By Adrian Creed, Partner, Clyde & Co The publication on 20 September of Dubai’s new PPP law (Law No.22 of 2015) is significant because it signals a clear statement of Dubai’s intent to use private sector finance and expertise to help meet its future infrastructure needs.

Whilst Dubai has implemented a handful of PPP projects prior to the introduction of this new law, notably the recent solar PV projects, the general approach has been to procure infrastructure on a pure EPC basis, with those infrastructure assets then being owned, managed and run by “Dubai Inc”.

The expression “PPP” refers to “publicprivate partnerships” and what the new law is aiming to do is to create greater collaboration between the private and public sectors in Dubai. In particular, the Dubai government is looking to develop new forms of long term concessions or partnerships.

This will result in future tenders being released giving the private sector a more strategic role in the design, construction, financing and ongoing operation of certain Dubai infrastructure assets.

Recently, Dubai’s Roads and Transport Authority (RTA) announced its intention to develop both the Union Oasis Station and The Dubai Transportation Academy projects as PPPs. For the Union Oasis project, private developers are currently completing the prequalification requirements; it is intended that this project will be a mixed used development project with a 30 year concession period. Given how far advanced the RTA is, we expect many of the early Dubai PPP deals will come through this agency.

What does the new law say?

Objectives of the new law include (i) lessening the financial burden on the state budget, (ii) transferring risk from the public sector to the private sector, and (iii) changing the key role of the public sector from “investor and developer” to “policy maker and regulator”. Given Dubai’s breathtaking growth over the last few decades, it is no surprise to see this change in emphasis.

Why is a new law needed in Dubai?

Most PPP style projects could be implemented in Dubai without this new law.

Whatever potential legal and regulatory impediments may exist for a particular infrastructure sector or project can almost certainly be overcome by appropriate contract drafting. So why pass a new law?

Most importantly, this new law sends a clear statement of policy intent to the developer,

investor and lender community. The new law says to the market that (i) this style of project is welcome and has the full backing of the state, and (ii) you can expect future “dealflow.”

The second reason is particularly important because bidding for this type of project is time consuming, complex and the front end bid costs are high. Normally, bidders and lenders will need to engage their own legal, financial and technical consultants to assess the proposed contractual framework and suite of project documents, with lenders passing their costs on to the bidder. What this means is that the developer community will not normally be interested in focusing on a jurisdiction where there are occasional ad hoc PPP deals; they would rather commit to a market where there are multiple bid opportunities so that if they invest the time and money, the chances are they will eventually succeed in winning a project.

WHAT NOTEWORTHY PROVISIONS ARE CONTAINED IN THE NEW LAW? The new law will come into force on 18 November 2015. A summary of some of the key provisions are set out below: n there is flexibility as to what form of contract can be used (management/ operating agreements, leases, concessions etc.) n the new law applies to all government agencies that are funded by the state budget n projects in the power and water sector are not covered by this new law n a private sector developer is permitted to make an unsolicited PPP proposal n ultimate oversight for the PPP lies with the Dubai Financial Audit Department n a public body is permitted to take market soundings and undertake initial “strawman” work from potential bidders prior to officially going to the market with an RFP n a detailed RFP needs to be fully developed before any new PPP project can be put out to tender

n bidders are permitted to form consortia n the government may take an equity stake in the project spv n save in exceptional cases, all projects must be executed through an spv whose sole purpose is to undertake the relevant PPP project n the form of PPP contract has to provide clear terms in relation to a number of matters, including Emiratisation quotas and environmental protections n save in exceptional circumstances, the maximum tenor of a PPP contract is 30 years n subcontracting and sale of PPP assets is not permitted save with the consent of the relevant government agency n UAE governing law is mandatory n disputes cannot be subject to overseas arbitration.

SOME GENERAL OBSERVATIONS One issue that is not addressed is whether the Dubai government will issue sovereign payment guarantees to sit behind any offtake/payment obligations of a government department or agency. These have been previously been on offer for Dubai power projects. Additionally, the law is silent as to capitalisation requirements for the spv, whether a project spv can be established in a free zone, and whether the 51/49 rule will apply. Supplementary regulations to the new law will be promulgated but no indication has been given as to when these will be issued.

It will be interesting to see which government agencies now push ahead with new PPP initiatives. Clearly, the RTA will be at the forefront, and perhaps we will see some of the government departments responsible for social infrastructure projects moving forward to launch their own projects in the healthcare, education or affordable housing sectors. In any event, the new legislation will be welcomed by the market. It is a clear and well drafted law that will encourage the private sector to seek out future PPP opportunities in Dubai.

Clyde & Co, 30/09/2015

LAW

RISKS AND OPPORTUNITIES FOR PHARMACEUTICAL PATENTING IN THE MENA Three primary criteria exist for a pharmaceutical company to examine when formulating a marketing strategy; these are as follows: market size and growth, protection of intellectual property rights, and enforcement of said rights.

This report attempts to provide an insight into these criteria as they relate to the Middle East and North Africa market.

MENA PHARMACEUTICALS MARKET At close to $20 billion, the pharmaceuticals market in the MENA offers a lucrative opportunity to pharmaceutical companies.

Patented drugs make up anywhere from 60 to 80% of the pharmaceuticals market in total sales. The general trend is that the richer the country is, the higher the patented drug market share is. It is projected that the total market size will grow to just over $30bn by 2016, which represents a five-year compound annual growth rate between 2011 and 2016 of over 9%. The projected CAGR for developed countries is much lower and declining.

Based on these numbers, the MENA is an exceedingly attractive market for innovative companies to consider when deliberating an international expansion. With patented drug sales of approximately $2bn and $4bn, Egypt and Saudi Arabia are the two largest markets. On the other end, the two smallest markets, Bahrain and Oman, have patented drug sales of approximately $0.2bn and $0.3bn.

These numbers should not come as a surprise since Egypt has the highest population in the region at about 83 million and Saudi Arabia’s is just over 25 million.

Similarly, both Bahrain and Oman have two of the smallest populations in the region with approximately 1.2 and 3 million.

In Saudi Arabia, patented drugs account for over 80% of pharmaceutical sales, whereas generic drugs account for less than 8%.

Another example with high patented drug sales is Bahrain, where the numbers in this case are approximately 80% for patented drugs and less than 6% for generic drugs.

Jordan, on the other hand, is the only country in the region where total sales of generic drugs are higher than for patented drugs. In Jordan, generic drugs account for nearly 50% of total sales, whereas patented drugs account for about 33%. This is a result of a strong and well organized local pharmaceutical industry and a relatively low healthcare purchasing power.

While Jordan’s current patent law provides a 20 year patent-term and a market exclusivity period, one key aspect of the law that alleviates pressure on the local industry is the Bolar exception. This allows firms to develop and test a generic drug during the period of market exclusivity, and thus ensure timely delivery of a generic upon patent expiry.

This provision, combined with the highly educated Jordanian pharmaceutical workforce, has also led to an increase in foreign investment in this sector. The Jordanian Patent Law is currently undergoing certain amendments which would create more visibility on the patent landscape in the country for both patent owners and generic pharmaceuticals.

PATENTING IN THE MENA Over the past several years, almost every country in the MENA region has updated, revamped or introduced new patent laws; with many adopting internationally accepted practices. While in the past only pharmaceutical processes were patentable, it is now possible to patent pharmaceutical products or substances.

In most cases, only new chemical entities are patentable, while in others, second medical use or Swiss-type claims are allowed. In some countries, patent term extension is possible if certain conditions are met. Morocco is an example where a supplementary protection certificate is issued for a period covering the number of days of delay in the event of unjustified delays by the authorities in awarding the authorization for marketing approval.

The number of MENA countries with PCT membership is increasing, alongside trade agreements between those countries and the US or Europe. These afford prospects for businesses looking to penetrate new markets with growth opportunities.

Procedures at different patent offices vary substantially. In many countries, substantive examination as to novelty, inventiveness, and applicability is performed locally. In some countries, the same is outsourced to foreign patent offices. What is allowed under each local patent law also varies.

In Egypt, it is not allowed to claim method of treating or use of a product, be it to diagnose, treat, or prevent. The Egyptian Patent Office does not even allow Swiss-type claims. Such is not the case in Saudi Arabia where medical use and Swiss-type claims are allowed, while methods of treatment are not.

The third criterion whose value varies between countries and is of high importance has to do with the legal environment. This criterion includes dealing with the ubiquitous problem of counterfeiting and imitators, such as generic brands. Porous borders, as well as inadequate border control, lead to substantial losses in sales and profits. Patent owners may be resistant to registering and penetrating a market where legal recourse against imitators is ineffective or unavailable.

If we were to extrapolate on the evolution of the legal enforcement as it applies to trademarks, it is to be expected that the legal environment surrounding patents will follow suit in providing the adequate protection.

Customs in various MENA countries have become very active when it comes to trademarks. In Saudi Arabia, for example, it has become increasingly difficult for an infringer to import counterfeit goods.

Customs check the Trademark Office records if they suspect counterfeit consignments. In 2012, concerted efforts and joint planning by the Commercial Anti-Fraud Department and the Customs Authorities led to a successful year in fighting piracy and suspending a considerable amount of counterfeit imported into the country, including pharmaceutical products.

Other countries have updated their laws to better protect the consumer as well as enable rights holders to take actionable measures. In Egypt, for instance, IP Law No. 82 for the year 2002 introduced new provisions on enforcement against counterfeiting. In these provisions, the judges have the competence to issue provisional measures such as seizure of goods to determine infringement and preserve evidence.

SABA IP Bulletin, November 2015

25

26

ARABIC SECTION

ADVERT

GAZA APPEAL Even before the ceasefire agreement was in place, Muslim Aid were on the ground responding to the needs of the people of Gaza with emergency aid and relief. Working with local partners and UN agencies, Muslim Aid are working on long-term development programmes in order to rehabilitate Gaza’s services.

ACT NOW

Text Freedom £10 to 70660 020 7377 4200 - muslimaid.org

Text costs £10.00 plus network charge. Muslim Aid receives 100% of your donation. Obtain bill payer's permission. Customer care 02073774200

If your organisation would like to support Muslim Aid’s work in Gaza please contact Corporate Partnerships for more information.

‫‪27‬‬

‫ ‬

‫ ‪ARABIC SECTION‬‬

‫دليل جريدة الغارديان لتصنيف الجامعات البريطانية‪:‬‬ ‫يعتبر دليل جريدة الغارديان احد املراجع الذي ّيزود الطلب بمعلومات ترتيب‬

‫جامعة النكستر ‪Lancaster University -‬‬

‫املؤسسات التعليمية في بريطانيا‪ ،‬هذا املرجع ليس كغيره من املراجع التي تصنف‬ ‫الجامعات‪ ،‬حيث يتعمد في تصنيفه للجامعات بناء على األداء التعليمي واملوارد التي‬ ‫تستخدمها الجامعة إضافة الى أداء األبحاث التي تنشرها الجامعات‪ ،‬مما يجعل هذا‬ ‫الدليل كمورد أساس للطلب الراغبيين بالقيام بالدراسات العليا في بريطانيا‪.‬‬

‫معيار الغارديان‪:‬‬ ‫جودة التعليم كما يقيمها طلب سنوات التخرج من خلل إحصاءات يقوم بها مركز‬ ‫اإلستطلعات الطلبي الوطني(‪.)National Student Survey‬‬ ‫نسبة الطلب الراضيين عن دراستهم في الجامعة‪.‬‬ ‫الرض ى العام على الدراسة بشكل عام من طلب سنوات التخرج‪.‬‬ ‫تقييم الطلب على مقياس من ‪ 1‬إلى ‪ 10‬حول رضاهم على جودة التعليم‪.‬‬ ‫الحصول على عمل بعد التخرج‪ :‬نسبة الطلب الذين حصول عمل خلل ستة أشهر‬ ‫من بعد التخرج‪.‬‬ ‫متطلبات القبول‪.‬‬

‫‪ -10‬جامعة إكستر (‪)University of Exeter‬‬

‫نسبة عدد العاملين في الجامعة مقارنة بعدد الطلب‪.‬‬ ‫ً‬ ‫مقارنة كفاءات الطلب فرديا كمتطلب للقبول في الجامعة مع الشهادة التي‬

‫جامعة إكستر هي جامعة أكاديمية بحثية عامة تقع في مدينة إكستر‪ ،‬جنوب غرب‬

‫يحصلون عليها بعد التخرج‪.‬‬

‫إنجلترا‪ .‬تأسست الجامعة وحصلت على امليثاق امللكي عام ‪ .1955‬ولدى جامعة‬

‫دليل جريدة التايمز لتصنيف الجامعات البريطانية‪:‬‬

‫إكستر ثلثة فروع‪ :‬فرع سترثم‪ ،‬وفرع القديس لوقا (وكلهما في إكستر)‪ ،‬والفرع‬

‫يعتبر ترتيب التايمز الجامعات البريطانية‪ ،‬أحد أكثر املراجع املعتمدة لتصنيف‬

‫الثالث ترومف في كورنوال‪ .‬وتتركز الجامعة في مدينة إكستر في مقاطعة ديفون‪،‬‬

‫الجامعات البريطانية وذلك منذ عام ‪.1993‬‬

‫وحيث فرعها سترثم وحيث تتمركز مؤسسات الجامعة الرئيسية للتعليم العالي وأكبر معيار التايمز‪:‬‬ ‫أكبر حرم جامعي يحتوي على العديد من املباني اإلدارية في الجامعة‪ ،‬وتعتبر واحدة رض ى الطلب و اعتمادة على نتائج اإلحصاء املطني الطلبي ‪National Student‬‬ ‫‪Survey‬‬

‫من أجمل الحرم الجامعية في بريطانيا‪.‬‬

‫وحافظت جامعة إكستر على عدم تخطي عتبة النخبة العشرة في التصنيف املمتاز * األبحاث‪ :‬مساهمة الجامعات في البحث العلمي‪.‬‬ ‫للجامعات البريطانية‪ ،‬وهي تصنف كواحدة من بين ‪ 10‬أفضل الجامعات البحثية في * متطلبات القبول لدى الجامعات‪.‬‬ ‫* نسبة عدد الطلب مع عدد العامليين في الجامعات‪.‬‬

‫اململكة املتحدة في السنوات األخيرة‪.‬‬

‫وجامعة إكستر عضو في مجموعة "راسل" للجامعات والبحوث املتخصصة في اململكة * حجم مصارف الجامعات على املكتبات و التجهيزيات اإللكترونية و الحواسب‪.‬‬ ‫املتحدة‪ ،‬وهي عضو رابطة الجامعات األوروبية‪ ،‬وعضو في رابطة جامعات * حجم مصاريف الجامعات على منشئاتها الخدمية الرياضية و الترفيهية للطلب‪.‬‬ ‫الكومنولث‪ ،‬وهي مؤسسة معتمدة في رابطة ماجستير إدارة األعمال (‪ .)AMBA‬ا‬ ‫* نسبة الطلب الخريجيين بنسبة عالية من العلمات‪.‬‬ ‫* نسبة الطلب الذين أكملو دراستهم منذ دخولهم للجامعة‪.‬‬ ‫* احتمالية الحصول على عمل بعد التخرج‪.‬‬ ‫جامعة إكستر ‪University of Exeter -‬‬

‫‪7‬‬

‫‪ARABIC SECTION‬‬

‫خريجي جامعة سري العثور على عمل خلل ستة أشهر من التخرج‪.‬‬

‫‪ -7‬جامعة وارويك (‪)University of Warwick‬‬

‫اوتأسست جامعة ساري في عام ‪ .1966‬وتقع داخل البلدة مقاطعة غيلدفورد في‬ ‫مقاطعة ساري‪ ،‬في جنوب شرق إنجلترا‪ .‬وكانت تقع سابقا بالقرب من حديقة باترس ي‬ ‫في جنوب غرب لندن‪ .‬وكانت معروفة باسم كلية باترس ي للتكنولوجيا قبل الحصول‬ ‫ً‬ ‫الوضع ااألخير كجامعة عام ‪.1966‬ويبلغ عدد الطلب الذين يدرسون بها حاليا حوالي‬ ‫ً‬ ‫‪ 14186‬طالبا‪ .‬وتمنح جامعة سري الدرجات الجامعية والدراسات العليا إلى جانب‬ ‫دورات في اللغة اإلنجليزية للطلبة الدوليين‪ .‬وتضم الجامعة أربعة مؤسسات أكاديمية‬ ‫هي‪ :‬كلية األداب والفنون والعلوم االنسانية‪ ،‬وكلية الهندسة والعلوم الفيزيائية‪،‬‬ ‫ق‪.‬‬ ‫وكلية الصحة والعلوم الطبية‪ ،‬وكلية اإلدارة والحقو ا‬ ‫ولجامعة سري عدد كبير من الموظفين الذين هم أعضاء في الجمعيات‬ ‫جامعة وارويك ‪University of Warwick -‬‬ ‫العلمية‪ .‬وقد توسعت الجامعة في اآلونة األخيرة إلى الصين من خالل إطالق‬ ‫ال تقع جامعة وارويك فى مدينة وارويك كما يظن الجميع بسبب إسمها‪ ،‬بل تقع فى معهد سري الدولي مع جامعة دونجباي لالقتصاد في الصين‪ .‬ويقع الحرم‬ ‫كوفينتري‪ ،‬وتأسست جامعة وارويك فى العام ‪ .1965‬تعتبر من ضمن الجامعات الجامعي الرئيسي للجامعة على األيل هيل بالقرب من مركز غيلدفورد‬ ‫المجاور لكاتدرائية غيلدفورد‪ .‬ويقع الحرم الجامعي الثاني‪ ،‬في مانور بارك‪،‬‬ ‫املشهورة على مستوى العالم فهى تحمل الترتيب العاشر على مستوى العالم‪ .‬وتتألف‬ ‫وعلى مسافة قصيرة سيراً على األقدام من األول‪ ،‬وقد تم تطويره لتوسيع بناء‬ ‫جامعة وارويك من أربعة كليات‪ :‬كلية اآلداب‪ ،‬وكلية الطب‪ ،‬وكلية العلوم‪ ،‬وكلية‬ ‫السكن واملباني األكاديمية القائمة واملرافق الرياضية‪ .‬ا‬ ‫العلوم االجتماعية‪ .‬ويبلغ عدد الطلب فيها اليوم ‪ 22‬ألف طالب‪ .‬وتعتبر جامعة‬ ‫ً‬ ‫ً‬ ‫وتعتبر جامعة سري مركزا رئيسا للبحوث الفضائية واالتصاالت املتنقلة‪ .‬وفي عام‬ ‫وارويك مؤسسة تعليمية بحثية عامة‪ ،‬قامت جامعة وارويك بتخريج العديد من‬ ‫‪ ،2014‬أعلن رئيس الوزراء البريطاني ديفيد كاميرون شراكة جامعة سري مع جامعة‬ ‫املوسيقيين والساسة والعلماء والباحثين فى العديد من املجاالت‪.‬‬ ‫كينجز كوليدج لندن وجامعة دريسدن لتطوير تكنولوجيا ‪ .G5‬اوجامعة سري عضو في‬ ‫وتعتبر جامعة وارويك من أمتع الجامعات فى بريطانيا من حيث املوقع والدارسة‬ ‫ً رابطة ماجستير إدارة األعمال‪ ،‬والرابطة األوروبية‪ ،‬واتحاد جامعات الكومنولث‪ .‬وتأتي‬ ‫والخدمات التي تقدمها الجامعة حيث أنها تقع فى وسط إنجلترا في موقع مميز جدا‪،‬‬ ‫جامعة سري في مرتبة متقدمة باستمرار‪ ،‬بحسب تصنيف تايمز‪ ،‬وتصنيف‬ ‫ً‬ ‫لذلك تعتبر بمثابة مكان سياحي نظرا ملوقعها امللفت لألنظار بذلك املوقع‪ .‬تحتوي‬ ‫الجارديان‪ ،‬وتصنيف الصنداي تايمز للجامعات‪ .‬ووفقا لألرقام التي كشفت عنها‬ ‫الجامعة على قاعات محاضرات مجهزة على أعلى مستوى من التكنولوجيا والتقدم‬ ‫وكالة إحصاءات التعليم العالي في عام ‪ ،2014‬فإن جامعة سري لديها أعلى معدالت‬ ‫وأحدث الوسائل والخدمات العاملية‪ .‬وتمتلك مكتبة تحتوي على أكثر من مليون مجلد‪ .‬ا‬ ‫توظيف خريجيها‪ ،‬حيث سجلت نسبة ‪ %96.9‬توظيف خريجيها في فترة قياسية‪،‬‬ ‫وتتخصص جامعة وارويك فى العديد من املجاالت أهمها‪ :‬الطب‪ ،‬والفنون‪ ،‬والعلوم‬ ‫وهذا أعلى من جامعة أكسفورد (‪ ،)%92.6‬وجامعة كامبردج (‪ )%95.2‬وكينجز‬ ‫التطبيقية والعلوم اإلجتماعية وغيرها‪ .‬وتقدم الجامعة السكن للمغتربين حيث أن‬ ‫كوليدج لندن (‪ .)%94.6‬ا‬ ‫لديها حوالي ستة أالف غرفة مخصصة للطلب‪ .‬وتوفر جامعة وارويك جميع‬ ‫الخدمات التى يحتاجها الطلب من محلت وخدمات ترفيهية ووكاالت سفر وتوظيف‬

‫‪ -9‬جامعة النكستر (‪)Lancaster University‬‬

‫وصيدليات ومطاعم ومقاهى وبنوك ومتاجر وسوبر ماركت وغيرها‪ .‬ا‬

‫تأسست جامعة النكستر في عام ‪ 1964‬وهي أحدى أكبر الجامعات فى بريطانيا‪ ،‬وتقع‬ ‫ً‬ ‫في مقاطعة فى النكشاير‪ ،‬وحصلت على مركزا متقدما بين الجامعات البريطانية على‬

‫ا‬

‫‪ -8‬جامعة سري (‪)University of Surrey‬‬

‫مستوى البحث العلمي فى بريطانيا‪ .‬وتحتوي جامعة النكستر على حوالي ‪ 18000‬ألف‬ ‫طالب باإلضافة إلى عدد املدرسين الذين يقارب عددهم قرابة ‪ 2250‬مدرس ومدرسة‪.‬‬ ‫ويتراوح أو يفوق دخل جامعة النكستر السنوي ‪ 149‬مليون جنيه إسترليني‪.‬‬ ‫وتتخصص جامعة النكستر في العديد من الكليات منها‪ :‬كليات اآلداب‪ ،‬والعلوم‬ ‫اإلجتماعية‪ ،‬وكليات العلوماوالتكنولوجيا‪ ،‬وكليات اإلدارة‪.‬‬ ‫استطاعت جامعة النكستر املحافظة على ترتيبها في التصنيف السنوي بينما تقدمت‬ ‫مرتبة نحو األمام لتصنيف ‪ .2016‬وهي تشتهر بالبحوث العلمية املتخصصة في العديد‬ ‫ً‬ ‫من املجاالت‪ ،‬وهي عضو في مجموعة الجامعات البحثية جنبا إلى جنب مع جامعات‬ ‫دورهام‪ ،‬وجامعة ليدز‪ ،‬وجامعة ليفربول‪ ،‬وجامعة مانشستر‪ ،‬وجامعة نيوكاسل‪،‬‬

‫تأتي "جامعة سري" ضمن الجامعات التي شهدت أفضل تطور في األداء حيث ارتفع وجامعة شيفيلد‪ ،‬وجامعة يورك‪ .‬وفي عام ‪ 2014‬احتفلت جامعة النكستر بعيدها الـ‬ ‫تقييمها مركزين عن التصنيف املاض ي‪ ،‬وذلك نظ ًرا الهتمامها بتوفير فرص العمل ‪ 50‬بسلسلة من الفعاليات على مدار العام‪ ،‬والتي شارك فيها الخريجين واملوظفين‬ ‫والطلب وأفراد املجتمع املحلي‪.‬‬

‫امللئمة لطلبها عن طريق ربطهم مع أرباب العمل حيث يستطيع أكثر من ‪ %97‬من‬ ‫‪6‬‬

‫‪28‬‬

‫‪29‬‬

‫ ‬

‫ ‪ARABIC SECTION‬‬

‫جامعة سانت أندروز ‪University of St Andrews -‬‬

‫جامعة درهام ‪Durham University -‬‬

‫واألحياء‪ ،‬والكيمياء‪ ،‬والكلسيكيات‪ ،‬وعلوم‬ ‫والعلوم‪ ،‬والفنون‪ ،‬والصحافة‪ ،‬والرياضة‪ .‬وحافظت جامعة درهام على تصنيفات وتخصصات عديدة من بينها التاريخ ا‬ ‫ً‬ ‫ً‬ ‫عامليا الكمبيوتر‪ ،‬والدراسات الدينية‪ ،‬واالقتصاد‪ ،‬والتمويل‪ ،‬واللغة اإلنجليزية‪ ،‬والدراسات‬ ‫جيدة جدا‪ ،‬ما بين املركز ‪ 5‬أو ‪ 6‬كأفضل جامعة في بريطانيا وفي املركز الـ ‪80‬‬ ‫ً‬ ‫السينمائية‪ ،‬والجغرافيا‪ ،‬وعلوم األرض‪ ،‬والتاريخ والعلقات الدولية واإلدارة‬ ‫وفقا لترتيب التايمز للجامعات واملؤسسات التعليمية الدولية‪.‬‬ ‫وتحتوى جامعة درهام على ‪ 85‬مبنى قديم باإلضافة إلى مساحات خضراء شاسعة‪ .‬والرياضيات والطب واللغات الحديثة‪ ،‬والفلسفة‪ ،‬ودراسات علم االنسان‬ ‫وتخصصت جامعة درهام في العلوم التطبيقية والعلوم البحتة‪ ،‬واللغات‪ ،‬والتاريخ (األنثروبولوجيا) ودراسة صناعة األفلم‪ ،‬والفيزياء‪ ،‬وعلم الفلك‪ ،‬وعلم النفس‪،‬‬ ‫واآلثار‪ .‬كما تحتوي على مكتبة كبيرة غنية باملجلدات القديمة‪ ،‬ويوجد لكل كلية واملوسيقى والدراما‪.‬‬ ‫مكتبة خاصة بها وقاعة للقراءة واإلطلع على ارشيفها الغني‪ .‬كما تحتوي جامعة يخضع التعليم في جامعة سانت أندروز بإسكتلندا إلى معايير شديدة الدقة في نظم‬ ‫الجودة والتقييم‪ ،‬ولذلك تعتبر واحدة من أفضل الجامعات األوروبية من حيث‬ ‫درهام على متحفين‪ ،‬وهما املتحف الشرقى ومتحف اآلثار‪.‬‬ ‫البحث‪ ،‬وجودة التعليم‪ ،‬ورض ى الطلب كما صنفت كأفضل جامعة نموذجية من حيث‬ ‫رض ى الطلب‪ ،‬في السنوات األربع التي أجرى فيها استطلع رأي الطلب املحليين في‬

‫‪ -6‬جامعة سانت أندروز (‪)University of St Andrews‬‬

‫تساوت جامعة سانت أندروز في التصنيف الخامس مع جامعة درهام لعام ‪ .2016‬اململكة املتحدة‪.‬‬ ‫وتمكنت جامعة سانت آندروز من اإلبقاء على ترتيبها في املركز الثالث خلل تصنيف وبلغ عدد فريق العمل فيها ‪ 1800‬وهي من أقوى الجامعات في اململكة املتحدة التي‬ ‫ً‬ ‫دائما في قائمة أفضل خمس جامعات في حققت إنجازات ونجاحات كبيرة من حيث شهادات جودة الخدمات التعليمية‬ ‫"الجارديان" لعام ‪ ،2016‬كما أنها تحل‬ ‫ً‬ ‫وفقا لتقييمات التايمز‪ ،‬والصنداي تايمز‪ .‬وتتألف جامعة سانت والبحث العلمي‪ .‬وتعرف جامعة سانت أندروز اآلن بأنها الجامعة البديلة الرائدة‬ ‫اململكة املتحدة‪،‬‬ ‫ً‬ ‫نسبيا واملهتمة بالبحث العلمي في بريطانيا‪ .‬متعددة الكليات لجامعتي أكسفورد وكامبريدج‪ .‬تسعى سانت أندروز إلى جذب أفضل‬ ‫آندروز من شبكة من الجامعات الصغيرة‬ ‫ً‬ ‫أندروز على الشاطئ الشرقي إلسكتلندا‪ .‬اوتعتبر جامعة الطلب في العالم وأكثرهم تميزا وعبقرية‪ .‬وتكون دراسة ماجستير اآلداب مع مرتبة‬ ‫ا‬ ‫تقع الجامعة في مدينة سانت‬ ‫سانت أندروز أقدم الجامعات اإلسكتلندية حيث تأسست في عام ‪ ،1413‬وهي إحدى الشرف والدرجة التي تمنحها كلية اآلداب هي ماجستير اآلداب وبكالوريوس العلوم مع‬ ‫الجامعات البريطانية العريقة‪ ،‬وثالث أقدم جامعة في الدول املتحدثة باإلنجليزية‪ .‬مرتبة الشرف‪ ،‬مدتها أربع سنوات‪ ،‬وذلك لضمان تحقيق تعليم واسع املجال مما‬ ‫ً‬ ‫ً‬ ‫دوليا يشجع الطلب على تجربة املجاالت فكريا قبل التخصص في مجال الدراسة الذي‬ ‫واحتفلت بعيدها السنوي رقم ‪ 600‬في عام ‪ .2013‬جامعة سان أندروز معروفة‬ ‫ً‬ ‫جدا من الشخصيات التاريخية‪ ،‬اختاروه‪ .‬كما تمنح كلية العلوم درجة بكالوريوس العلوم وعدة درجات متميزة‪.‬‬ ‫باعتبارها أساس رياضة الجولف‪ .‬درس بها الكثير‬ ‫أبرزهم امللك جيمس الثاني ملك إسكتلندا واكتسبت على مدار ستة قرون‪ ،‬سمعة وتدرس بعض املواد في أكثر من كلية مثل االقتصاد والجغرافيا واإلدارة والرياضيات‬ ‫ممتازة باعتبارها أحد املراكز الرائدة األكثر تمي ًزا في أوروبا التي تقدم الخدمات التعليمية وعلم النفس والتنمية املستدامة‪ .‬ويحدد اختيار الكلية طبيعة الشهادة النهائية‪.‬‬ ‫ا‬ ‫ً‬ ‫وتقدم جامعة سانت أندروز‪ ،‬وكلية وليام آند ماري في الواليات املتحدة األمريكية برنامجا‬ ‫ً‬ ‫ً‬ ‫ً‬ ‫دراسيا مشتركا فريدا من نوعه يطلق عليه بكالوريوس مع مرتبة الشرف الدولية‪،‬‬

‫والبحثية‪ .‬وتعتبر واحدة من أكثر الجامعات في أوروبا التي تكثف الدراسات البحثية‪ ،‬حيث‬ ‫تمثل املنح الدراسية والعقود في البحث العلمي أكثر من ربع حجم تداوالتها‪.‬‬

‫ويجمع بين أفضل املناهج الدراسية في إسكتلندا والواليات املتحدة‪ .‬ويقض ي الطلب‬

‫اومن التقاليد املتميزة التي تعرف بها جامعة سانت أندروز هي الثوب الجامعي الذي‬

‫عامين في كل جامعة‪ ،‬وعند التخرج يحصل الطالب على شهادة معتمدة من كلتا الجامعتين‪.‬‬

‫يرتديه الطلبة‪ ،‬وخاصة الرداء األحمر الذي يرتديه الطلبة في مرحلة البكالوريوس في‬

‫ومن جانبه يقدم مركز البرامج التمهيدية الدولية في مركز تعليم اللغة اإلنجليزية في‬

‫العديد من املناسبات التي تعقد في الجامعة‪ ،‬كتعيين رئيس جديد للجامعة‪ ،‬أو في‬ ‫جامعة سانت أندروز مجموعة متنوعة من البرامج التمهيدية للمرحلة الجامعية‬ ‫حفلت الغداء الرسمية في الجامعة‪ ،‬أو في بداية العام عند استقبال الطلبة‬ ‫والدراسات العليا من أجل الطلب الذين لم تكن اإلنجليزية لغتهم األم‪ ،‬وقد ّ‬ ‫تم‬ ‫ً‬ ‫ً‬ ‫املستجدين‪ .‬أما الطلبة في كلية اإللهيات فيرتدون ثوبا أسودا‪.‬‬ ‫ً‬ ‫تصميم هذه البرامج خصيصا لسد الفجوة بين مستوى املؤهلت التي اكتسبها‬ ‫تقع جامعة سانت اندروز في مدينة سانت أندروز‪ ،‬في فايف على الساحل الشرقى‬ ‫الطلب من املدرسة في بلدهم ومتطلبات برنامج الشهادة الجامعية‪.‬‬ ‫إلسكتلندا‪ .‬ويبلغ عدد طلبها أكثر من ‪ 7200‬طالب وطالبة‪ .‬وتشمل كليات‬ ‫‪5‬‬

‫‪ARABIC SECTION‬‬

‫تحوي كتب الروايات واألعمال األدبية املتعددة وكتب القراءة العامة للتسلية وقضاء‬ ‫الوقت‪.‬‬ ‫ً‬ ‫وحققت كلية لندن للقتصاد سمعة عاملية متميزة جعلتها علما في مقدمة‬ ‫االجتماعية‪ ،‬وترى لجنة فولبرايت أن كلية‬ ‫املؤسسات األكاديمية املختصة بالعلوم ا‬ ‫لندن للقتصاد والعلوم السياسية هي املؤسسة األكاديمية األولى في العالم في العلوم‬ ‫التايمز إلى أن كلية لندن للقتصاد تقع في املرتبة الثانية‬ ‫ا‬ ‫االجتماعية‪ .‬وتشير صحيفة‬ ‫بين الجامعات البريطانية وهي تشارك أكسفورد في هذه املرتبة‪ .‬وتحتل كلية لندن‬ ‫ً‬ ‫للقتصاد والعلوم السياسية مكانة متميزة‪ ،‬وحتى أنها وفقا لتقرير تقييم النشاط‬ ‫البحثي لعام ‪ ،2008‬احتلت املرتبة األولى في مجال علم اإلنسان (األنثروبولجيا)‪،‬‬

‫إمبريال كوليدج لندن ‪Imperial College London-‬‬

‫واالقتصاد والعلوم السياسية والقانون والسياسة االجتماعية والدراسات األوروبية‪.‬‬ ‫وتمنح كلية لندن للقتصاد درجاتها العلمية في مرحلة البكالوريوس واملاجستير املجمعات الخاصة بالجامعة‪ ،‬في حين يلجأ معظم طلب املراحل املتقدمة وطلب‬ ‫والدكتوراه‪ ،‬وهي ال تمنح الدرجات الفخرية السنوية بخلف الجامعات األخرى‪ ،‬ولم الدراسات العليا إليجاد مساكنهم بأنفسهم‪ ،‬بمساعدة مكتب في الجامعة خاص‬ ‫بإيجاد املساكن في املجمعات الخاصة بالطلب في أنحاء لندن‪ .‬كما تضم املجمعات‬

‫تقدم الكلية منذ تأسيسها سوى ‪ 15‬درجة فخرية لبعض الشخصيات ذات األهمية‬

‫العاملية مثل نيلسون ماندي ال الذي منحته الكلية درجة الدكتوراه الفخرية في السكنية قاعات للدراسة وخدمات اإلنترنت والشبكات الداخلية المبريال كوليدج‪.‬‬ ‫وتعد خدمات السكن بين أحدث وأفضل املجمعات في لندن وعموم جامعات‬ ‫االقتصاد‪.‬‬ ‫بريطانيا‪.‬‬ ‫ويتنافس الط الب في إمبريال كوليدج‪ ،‬وفق مقاييس معينة‪ ،‬للبقاء في مجمعات‬

‫‪ -4‬إمبريال كوليدج لندن (‪)Imperial College London‬‬

‫الجامعة‪ .‬وهناك عدد كبير من املساكن الخاصة والعوائل البريطانية التي تعلن لدى‬

‫لندن – إمبريال كوليدج للعلوم والتكنولوجيا والطب هو االسم الرسمي‪ ،‬لكنها تعرف‬

‫مكتب السكن عن غرف لإليجار في مساكنها‪ ،‬والتي يفضلها الكثير من الطلب‪.‬‬

‫اختصارا بـإمبريال كوليدج لندن‪ .‬تأسست عام ‪ 1907‬إال أن تاريخ بعض املؤسسات‬ ‫ً‬ ‫التابعة لها يعود إلى القرن الخامس عشر‪ .‬واستمرت جزءا من جامعة لندن ملدة‬

‫وتملك إمبريال كوليدج على ثلثة مراكز للتمارين الرياضية وحوضين للسباحة وعدد‬ ‫آخر من املنشآت الرياضية‪ .‬وتزدحم فضاءات الجامعة بإصدارات الطلب من‬

‫‪ 100‬عام قبل تصبح جامعة مستقلة عام ‪ .2007‬ويعد جناحها الطبي‪ ،‬أكبر مؤسسة‬

‫النشرات والصحف املستقلة عن إدارة الجامعة‪ ،‬إضافة إلى قناة تلفزيونية وإذاعة‬

‫طبية تعليمية في بريطانيا‪.‬‬ ‫ً‬ ‫كلية "لندن اإلمبراطورية" أو كما تعرف رسميااا"الكلية اإلمبريالية للعلوم‬

‫تبثهما منظمات الطلب أيضا‪.‬‬ ‫تعد إمبريال كوليدج للعلوم والتكنولوجيا والطب من الجامعات املتشددة في معايير‬

‫والتكنولوجيا والطب"‪ ،‬وهي كلية بحثية عامة في لندن وإحدى الجامعات األوروبية‬

‫اختيار طلبها‪ ،‬وعادة ال تزيد نسبة قبول املتقدمين للدراسة فيها على ‪ ،%20‬وهي‬

‫األعضاء برابطة الجامعات البحثية األوروبية‪ .‬ويحتل تقييم إمبريال كوليدج لندن‬

‫إحدى ‪ 3‬جامعات في بريطانيا ال تقبل إال الحاصلين على أعلى النتائج حسب‬

‫باستمرار بين أفضل الجامعات في العالم‪ ،‬وإمبريال كوليدج لندن هي مؤسسة قائمة‬ ‫التصنيف البريطاني (‪ )*A‬في الدراسة اإلعدادية أو ما يعادلها في الدول األخرى‪ .‬وتضع‬ ‫على العلم تتمتع بسمعة متميزة في التدريس والبحث‪ .‬اوتتخصص امبريال كوليدج في‬ ‫ً‬ ‫ً‬ ‫ذلك شرطا أساسيا خاصة في الرياضيات لجميع دراساتها العلمية مع بعض‬ ‫لندن في العلوم والطب والهندسة وإدارة األعمال‪ .‬يقع حرم الكلية الرئيس ي في منطقة‬ ‫االستثناءات الخاصة‪.‬‬ ‫جنوب كنسينغتون في لندن الوسطى على الحدود بين البلدة امللكية كينسينغتون‬ ‫وفي عام ‪ 2008‬أعلنت الجامعة أنها تدرس وضع برنامج المتحان الطلبة املتقدمين‬ ‫وتشيلس ي ومدينة وستمنستر‪.‬‬ ‫لتتمكن من اختيار أفضل الطلبة‪ .‬وقد أجرت الكثير من التجارب الختيار أفضل‬ ‫البرامج املتعلقة باالختبارات في مواضيع محددة‪ ،‬إضافة إلى قياس املهارات ودرجة‬

‫تقتصر الدراسة في إمبريال كوليدج على أربعة أقسام هي‪ ،‬العلوم الطبيعية‬

‫حماس الطالب لدراسة املوضوع الذي ينوي التخصص فيه من خلل مقابلت شخصية‪.‬‬

‫والدراسات الهندسية والدراسات الطبية ودراسات القانون‪ .‬وتحقق كلية إمبريال‬ ‫وقد جربت إمبريال كوليدج ما يعرف باسم «برنامج كامبريدج لتقييم مهارات التفكير»ا‬ ‫كوليدج للعلوم والتكنولوجيا والطب خامس أكبر دخل بين املؤسسات التعليمية‬ ‫ً‬ ‫ً‬ ‫ً لكنها لم تحدد تاريخا محددا العتماد تلك االختبارات رسميا وتطبيقها على املتقدمين‬ ‫البريطانية‪ ،‬حيث بلغ دخلها في عام ‪ 2012‬نحو ‪ 1,4‬مليار دوالر‪ .‬وحصل ‪ 14‬أستاذا‬ ‫للدراسة في الجامعة‪.‬‬ ‫ً‬ ‫وباحثا من امبريال كوليدج لندن على جائزة نوبل في مجاالت الطب والكيمياء‬ ‫والفيزياء‪ .‬كما حصدت عشرات الجوائز األخرى وسجلت عددا كبيرا من االختراعات‬

‫‪ -5‬جامعة درهام (‪)Durham University‬‬

‫واالكتشافات وبحوث التطوير التي غيرت مسار العلوم في العالم‪.‬‬ ‫ً‬ ‫مجمعا كبي ًرا لسكن الطلب في وسط لندن تقع جامعة درهام في مدينة درهام في إنجلترا‪ ،‬وتعتبر مؤسسة تعليمية حكومية بحثية‬ ‫تملك وتدير إمبريال كوليدج ‪20‬‬ ‫وضواحيها‪ ،‬توفر أكثر من ‪ 3‬آالف غرفة للسكن‪ ،‬وهي تتعهد بتوفير السكن لطلب قديمة ومعروفة حيث تأسست فى العام ‪ ،1832‬وتعتبر ثالث أقدم جامعة في إنجلترا‬ ‫السنة األولى‪ ،‬كجزء من قبولهم للدراسة في الجامعة‪ .‬وهم يشكلون معظم سكنة ا بعد جامعة أكسفورد وجامعة كامبردج‪ ،‬اوتضم نحو ‪ 16‬كلية‪ .‬وقدمت جامعة درهام‬ ‫ً‬ ‫العديد من الرموز املميزة تاريخيا فى مجاالت‪ :‬الحقوق‪ ،‬واإلدارة واألعمال‪ ،‬ا‬ ‫‪4‬‬

‫‪30‬‬

‫‪31‬‬

‫ ‬

‫ ‪ARABIC SECTION‬‬

‫تأسست كلية لندن للقتصاد والعلوم السياسية عام ‪ ،1895‬وانضمت إلى جامعة‬ ‫لندن عام ‪ 1900‬لتكون كلية للقتصاد‪ .‬وهي إحدى الكليات التابعة لجامعة لندن في‬ ‫مدينة لندن‪ ،‬وبدأت الكلية بمنح الدرجات العلمية منذ العام ‪ .1902‬وتعد حتى اآلن‬ ‫كلية مختصة تصف نفسها بأنها املؤسسة التعليمية الرائدة على مستوى العالم في‬ ‫البحث والتدريس في العلوم اإلنسانية‪.‬‬ ‫ا‬ ‫ً‬ ‫ً‬ ‫ً‬ ‫ً‬ ‫تلعب كلية لندن للقتصاد دورا كبيرا وملحوظا في املجتمع البريطاني نظرا ألرتباطاتها‬

‫جامعة أوكسفورد ‪Oxford University -‬‬

‫الواسعة وتأثيرها في مجال السياسة واألعمال والقانون‪ .‬وتستقطب شركات املحاسبة‬

‫العلماء وسكان املدينة في عام ‪ 1209‬ما حدا ببعض علماء أكسفورد إلى الفرار إلى‬ ‫ُ‬ ‫بلدة كامبريدج في الشمال الشرقي حيث أ ُسست جامعة كامبريدج هناك‪ ،‬والتي‬ ‫التي تعد املفضلة لدى أرباب األعمال والشركات الكبرى في القطاع الخاص‬ ‫ً ً‬ ‫أصبحت منذ ذلك الوقت منافسا قويا لجامعة أكسفورد‪ .‬وتعتبر هاتان الجامعتان‬ ‫والخدمات املصرفية في مدينة لندن وفي خارج بريطانيا‪ .‬ويطلق على الكلية أحيانا‬ ‫من أفضل وأرقى الجامعات في اململكة املتحدة والعالم‪.‬‬ ‫اسم "حضانة البنوك االستثمارية" حيث يتوجه ‪ %30‬من خريجيها للعمل في املجال‬ ‫ً‬ ‫حديثا املركز األول في تصنيفين من تصنيفات الجامعات‬ ‫ا‬ ‫احتلت جامعة أوكسفورد‬ ‫املصرفي والخدمات املالية واملحاسبة‪.‬‬ ‫ً‬ ‫البريطانية‪ .‬وعلى الرغم من املكانة املرموقة التي يحتلها هذا التصنيف بناءا على‬ ‫وتعد كلية لندن للقتصاد والعلوم السياسية من املؤسسات املتخصصة في الدراسة‬ ‫معايير عاملية الترتيب املتبعة‪ ،‬إال أن جامعة أكسفورد جاءت في املركز الرابع في‬ ‫والبحث في مجال العلوم االجتماعية وهي الجامعة الوحيدة في اململكة املتحدة التي‬ ‫تصنيف التايمز للتعليم العالي والعاشر في التصنيف الذي تعده جامعة شانغهاي‬ ‫ً‬ ‫تقتصر على تدريس هذه املباحث دون غيرها‪ .‬وتوفر الكلية ما يقارب ‪ 140‬برنامجا في‬ ‫جياو تونغ‪ ،‬حيث احتلت جامعة هارفرد املركز األول‪ .‬وفي عام ‪ ،2015‬جاءت جامعة‬ ‫درجة املاجستير في العلوم و ‪ 4‬برامج ماجستير إدارة عامة ودرجة املاجستير في القانونا‬ ‫أوكسفورد في املركز الثاني على التصنيف العالمي بعد جامعة هارفارد‪.‬‬ ‫ً‬ ‫و‪ 30‬برنامجا لدرجة البكالوريوس في العلوم‪ .‬كما تمنح درجة البكالوريوس في القانون‬ ‫ً‬ ‫وتبقى جامعة أكسفورد دائما من أفضل الجامعات في بريطانيا وتتنافس معها على‬ ‫ولديها اأربع برامج بكالوريوس أخرى‪ .‬وتعد كلية لندن للقتصاد والعلوم السياسية‬ ‫املركز األول جارتها جامعة كامبريدج‪ .‬تحتوي جامعة أوكسفورد على ثمانية وثلثين‬ ‫اوجامعة كامبردج الجامعتين الوحيدتين اللتان تمنحان درجة بكالوريوس في العلوم‬ ‫كلية مستقلة‪ .‬ويعتبر نظام الجامعة الجماعي سمة نجاحها‪ ،‬حيث يتسنى للناس‬ ‫في تخصص تاريخ االقتصاد‪.‬‬ ‫ً‬ ‫ً‬ ‫االجتماع معا في مؤسسة كبيرة وفي تخصصات متعددة والعمل معا لتبادل األفكار‪.‬‬ ‫وهنالك العديد من األسماء اللمعة والشخصيات املعروفة التي ترتبط مع كلية لندن‬ ‫وجامعة أكسفورد معروفة بمرافقها الكثيرة مثل‪ :‬املكتبة‪ ،‬وتكنولوجيا املعلومات‪،‬‬ ‫للقتصاد من بينهم ‪ 16‬شخصية حائزة على جائزة نوبل في االقتصاد والسلم واألدب‬ ‫والسكن والرعاية والدعم‪ ،‬والرياضة واألحداث االجتماعية‪ .‬وتحافظ جامعة‬ ‫مثل جورج برنارد شو‪ ،‬وبيرتراند راسل‪ ،‬ورالف بنش‪ ،‬وبول كروجمان وغيرهم‪.‬‬ ‫أوكسفورد على أن يكون عدد قليل من الطلب في كل كلية وذلك ملنح االهتمام‬ ‫ومن بين املواضيع التي ّتدرس في الكلية هي علم اإلنسان وعلم الجريمة والعلقات‬ ‫الكافي للطالب والتطوير األكاديمي ورفاهية االفراد‪ .‬وتحتوي جامعة أوكسفورد على‬ ‫االجتماعي والسياسة االجتماعية وغيرها‪ ،‬إضافة إلى مركز‬ ‫الدولية وعلم النفس ا‬ ‫‪ 6‬قاعات خاصة دائمة والتي أنشأت من مختلف الطوائف املسيحية وما زالت‬ ‫ً‬ ‫للغات‪ .‬ويعد التنافس للحصول على مقعد في هذه الكلية صعبا للغاية‪ ،‬حيث تجاوز‬ ‫تحتفظ بطابعها الديني‪.‬‬ ‫عدد طلبات التي قدمت للجامعة في العام ‪ 2008‬اأكثر من ‪ 19,039‬طلبا إال أن‬ ‫ً‬ ‫ً‬ ‫ً‬ ‫كما تعد جامعة أوكسفورد معلما سياحيا كبيرا للسياحة في بريطانيا إذ يوجد بها‬ ‫ً‬ ‫ً الجامعة قبلت ‪ 1،299‬طلبا فقط‪ .‬وتبلغ نسبة القبول في بعض التخصصات‬ ‫العديد من املتاحف التى يزوها ما ال يقل عن مليون شخص من السياح سنويا‪،‬‬ ‫كاالقتصاد والعلقات الدولية واإلدارة والقانون واملحاسبة ‪ %4‬إلى ‪ %5‬فقط‪ .‬ولذلك‬ ‫يأتون لرؤية معالم الجامعة العريقة وزيارة املتاحف املوجودة فيها السيما متحف‬ ‫فإن الكلية تعد من أكثر الجامعات صعوبة لللتحاق بها في مرحلة البكالوريوس‪.‬‬ ‫األشمولي للفن واآلثار‪ ،‬ومتحف الجامعة لآلثار الطبيعية‪ ،‬ومتحف بيت ريفرز‪،‬‬ ‫وهنالك تعاون كبير بين كلية لندن للقتصاد والعديد من الجامعات العاملية‬ ‫ومتحف تاريخ العلم‪ .‬ا‬ ‫املرموقة‪ ،‬من أهم هذه جامعة كولومبيا في نيويورك‪.‬‬ ‫والبنوك االستثمارية وشركات القانون واالستشارات من ضمن خريجي هذه الكلية‬

‫ا‬

‫‪ -3‬كلية لندن لالقتصاد والعلوم السياسية‬

‫تشتهر كلية لندن للقتصاد والعلوم السياسية بمكتبتها حيث تعد املكتبة الرئيسية‬

‫(‪)London School of Economics & Political Science‬‬

‫في كلية لندن للقتصاد‪ ،‬وهي املكتبة البريطانية للعلوم السياسية واالقتصادية‪ ،‬أكبر‬ ‫مكتبة في العالم متخصصة بشكل حصري للعلوم االجتماعية والسياسية‪ .‬ويعود‬ ‫تاريخ إنشائها إلى عام ‪ 1896‬وكانت مكتبة وطنية للعلوم االجتماعية في اململكة‬ ‫املتحدة والكومنولث وقد حازت مقتنياتها على أهمية وطنية وعاملية كبيرة‪ .‬ويزور‬ ‫ً‬ ‫املكتبة ما يزيد على ‪ 6,500‬طالب وعضو هيئة تدريس يوميا وتوفر املكتبة مجموعة‬ ‫ً‬ ‫خاصة لألبحاث الدولية املختصة وتقدم خدماتها ملا يزيد عن ‪ 12,000‬مشترك سنويا‪.‬‬ ‫اوهنالك مكتبة شو والتي تقع في مبنى فخم عريق في املبنى القديم للكلية ا‬

‫ا‬ ‫‪3‬‬

‫‪ARABIC SECTION‬‬

‫شهادة املاجستير‪:‬‬

‫‪ -1‬جامعة كامبريدج (‪)Cambridge University‬‬

‫قد تعتمد شهادة املاجستير في اململكة املتحدة على البحوث‪ ،‬أو تكون دورة تعليمية‬ ‫ّ‬ ‫تحضر الطلب لحقبة عملية معينة أو لشهادة دكتوراه‪،‬‬ ‫أو مزيج من األثنين‪ ،‬وهي‬ ‫وتتوفر في مجاالت متعددة‪ ،‬يمكن تلخيص هذه املرحلة الدراسية والشروط‬ ‫املطلوبة بالنقاط التالية‪:‬‬ ‫القبول في مرحلة املاجستير يشترط حصول الطالب على شهادة جامعية؛‬ ‫ً‬ ‫دراسة املاجستير في بريطانيا هي عبارة عن برنامج من ‪ 12‬شهرا؛‬ ‫تتضمن شهادات املاجستير املعتمدة على البحوث؛‬ ‫* ماجستير بحوث (‪)MRes‬‬ ‫* وماجستير فلسفة (‪)MPhil‬‬ ‫ا‬ ‫تتضمن شهادات املاجستير في بريطانيا؛‬ ‫* ماجستير في اآلداب (‪)MA‬‬ ‫* ماجستير في العلوم (‪)MSc‬‬ ‫* وماجستير في إدارة األعمال (‪)MBA‬‬ ‫شهادة الدكتوراه‪:‬‬ ‫وهي دكتوراه في الفلسفة ‪ Phd‬أو ‪ ،Dphil‬والقبول لهذه الدرجة الدراسية في‬

‫جامعة كامبريدج ‪Cambridge University -‬‬

‫جامعة كامبريدج تأسست في عام ‪ ،1209‬وهي ثاني أقدم جامعة على مستوى العالم‬ ‫الناطق باللغة اإلنجليزية بعد جامعة أوكسفورد‪ ،‬وإحدى الجامعات السبع العتيقة في‬ ‫الجزر البريطانية‪ .‬تقع جامعة كامبريدج في مدينة كامبريدج باململكة املتحدة‪ .‬ومن حيث‬ ‫التصنيف‪ ،‬فإن جامعة كامبريدج دائما ما يراوح ترتيبيها ما بين املركزين األول والثاني‬ ‫بالتناوب مع جامعة أوكسفورد العريقة‪ .‬وتعتبر الجامعة األعرق على مستوى العالم في‬ ‫مجال العلوم الطبيعية والرياضيات والفيزياء‪.‬‬ ‫حصلت جامعة كامبريدج على ‪ 89‬جائزة نوبل‪ ،‬وذلك أكثر من أية جامعة أخرى في‬ ‫ً‬ ‫العالم‪ .‬وتخرج من جامعة كامبريدج بعضا من أهم العلماء في القرون املاضية من‬ ‫بينهم العالم إسحق نيوتن (املشهور بنظرية الجاذبية)‪ ،‬والعالم تشارلز داروين‬ ‫(صاحب نظرية التطور)‪ ،‬والعالم ويليام هارفي‪ ،‬والعالم ديراك‪ ،‬والعالم جوزيف‬

‫بريطانيا يشترط حصول الطالب على شهادة املاجستير أو في بعض األحيان شهادة‬ ‫ط اومسونا (مكتشف اإللكترون)‪ ،‬والعالم إرنست رذرفورد‪ ،‬والعالم جيمز ماكسويل‪،‬‬ ‫بكالوريوس فقط‪ .‬ويستغرق الحصول على درجة الدكتوراه كحد أدنى ‪ 3‬سنوات‬ ‫والعالم جيمس واطسونا‪ ،‬والعالم فرنسيس كريك (صاحب تركيب الحمض النووي)‪،‬‬ ‫من الدراسة والبحث‪ ،‬وتشترط برامج الدكتوراه على الطلب تقديم بحث خاص‬ ‫والعالم آالن تورينغ‪ ،‬والعالم جاكوب برونوفسكي وغيرهم‪.‬‬ ‫بهم‪.‬‬ ‫تخصصت جامعة كامبريدج بشكل عام في الرياضيات حيث أن الرياضات هى الرائدة‬ ‫وبخصوص الطلب الدوليون أو األجانب‪ ،‬فمن أجل الدراسة في بريطانيا‪ ،‬بكل‬ ‫فى تلك الجامعة سواء أكانت رياضات بحتة أ او رياضات عامة‪ ،‬وبعض تخصصات التي‬ ‫مراحلها وليس درجة الدكتوراه فقط‪ ،‬يتوجب على الطلب الدوليين من الذين لم‬ ‫تشتهر بها جامعة كامبريدج إضافة إلى الرياضيات‪ ،‬هي العلوم‪ ،‬والفنون‪ ،‬والفيزياء‪.‬‬ ‫تكن اللغة اإلنجليزية لغتهم األم‪ ،‬تقديم دليل على جدارتهم في اللغة اإلنجليزية‪ .‬ومنذ زمن إسحق نيوتن في القرن السابع عشر حتى وقت الحق حتى منتصف القرن‬ ‫وتفضل معظم الجامعات في اململكة املتحدة شهادة اللغة اإلنجليزية بدرجة جيد في‬ ‫التاسع عشر‪ ،‬واصلت جامعة كامبريدج التركيز القوي على الرياضيات التطبيقية‬ ‫اختبار "أيلتز"‪ ،‬واملعدل املطلوب في اختبار "أيلتز" هو ‪ 6‬فما فوق للدراسة الجامعية‬ ‫والفيزياء الرياضية بشكل خاص‪ .‬وإن دراسة هذا املوضوع كان إلزاميا للتخرج من‬ ‫(بدرجة البكالوريوس) ودرجة ‪ 6.5‬فما فوق للدراسات العليا‪.‬‬ ‫جامعة كامبريدج‪ ،‬حتى للطلب الطالبين لشهادة بكالوريوس في اآلداب‪ ،‬والدرجة األولى‬ ‫ً‬ ‫إلى جانب إثبات التمكن من اللغة اإلنجليزية‪ ،‬على الطلب الدوليين التحقق أيضا‬ ‫األساسية في جامعة كامبريدج في كل من الفنون والعلوم‪ .‬ويعرف هذا االمتحان بـ‬ ‫من أن مؤهلتهم تتفق مع شروط الدخول‪ .‬وقد ّ‬ ‫يتعين على الطلب الدوليين دراسة‬ ‫"‪."Tripos‬‬ ‫برنامج تحضيري لشهادة املاجستير في حال لم تكن مهاراتهم في اللغة اإلنجليزية أو‬ ‫وعلى الرغم من التنوع في مجاالت البحوث‪ ،‬ما زالت جامعة كامبريدج حتى اليوم‬ ‫بعض املواد الدراسية‪ ،‬من أجل رفع مؤهلتهم لتتوافق مع شروط البدء ببرنامج‬ ‫محافظة على قوتها في الرياضيات‪ ،‬وقد فاز خريجوها بثمانية ميداليات وجائزة نوبل في‬ ‫ً‬ ‫شهادة املاجستير أو الدكتوراه‪ .‬ا‬ ‫الرياضيات‪ .‬وتدير الجامعة أيضا شهادة خاصة في البرنامج الدراس ي "الدراسات العليا"‬ ‫ا‬ ‫في الرياضيات والرياضيات البحتة‪ .‬ا‬ ‫أفضل ‪ 10‬جامعات بريطانية في التصنيف عام ‪2016‬‬

‫تعتبر الجامعات في بريطانيا املحور الرئيس ي عندما يبدأ الحديث عن الدراسة في ‪ -2‬جامعة أوكسفورد (‪)Oxford University‬‬

‫ّ‬ ‫بريطانيا‪ ،‬ويذهب تفكير األشخاص الذين يرغبون بالتحصيل الجامعي في خارج‬ ‫تعد جامعة أوكسفورد أقدم جامعة في العالم الغربي املتحدث باإلنجليزية‪ ،‬وأقدم‬ ‫ً‬ ‫بلدانهم‬ ‫مباشرة إلى جامعات بريطانيا نظرا لشهرة الدراسة والتعليم في بريطانيا جامعات بريطانيا السبع العتيقة‪ ،‬ومن خيرة ورابع أفضل جامعات العالم والجامعة‬ ‫ً ً‬ ‫وأيضا نظرا للشهرة الكبيرة التى تتمتع بها الجامعات في بريطانيا‪.‬‬ ‫األولى في اململكة املتحدة‪ .‬وتقع الجامعة في مدينة أكسفورد في إنجلترا‪.‬‬ ‫طبقا لتصنيف "الغارديان" ألفضل ‪ 10‬جامعات بريطانية لعام ‪ ،2016‬فإن أفضل ال يوجد معرفة مضبوطة بالتاريخ الدقيق إلنشاء هذه الجامعة‪ ،‬إال أن أصولها ترجع‪،‬‬ ‫‪ 10‬من أصل ‪ 126‬من الجامعات البريطانية هي كاآلتي‪:‬‬ ‫على أقل تقدير‪ ،‬إلى القرن الحادي عشر‪ .‬حيث ُيروى أنه قامت أعمال شغب بين ا‬ ‫‪2‬‬

‫‪32‬‬

‫‪33‬‬

‫ ‬

‫ ‪ARABIC SECTION‬‬

‫‪Britain's‬‬ ‫‪Prestigious‬‬ ‫‪Universities:‬‬ ‫‪sightofofbright‬‬ ‫‪bright‬‬ ‫‪civilization‬‬ ‫‪Britain's‬‬ ‫‪Prestigious‬‬ ‫‪Universities: a‬‬ ‫‪a sight‬‬ ‫‪civilization‬‬

‫مشرقة‬ ‫حضارة‬ ‫العريقة‪:‬وجه ل‬ ‫بريطانيا العريقة‪:‬‬ ‫مشرقة‬ ‫حضارة‬ ‫وجه ل‬ ‫جامعاتبريطانيا‬ ‫جامعات‬ ‫مقدمة‪ :‬منذ بداية النهضة األوروبية‪ ،‬والتي كان‬ ‫ً‬ ‫مقدمة‪ :‬منذ بداية ً‬ ‫النهضة األوروبية‪ ،‬والتي كان‬ ‫لبريطانيا دورا كبيرا فيها‪ ،‬أصبحت بريطانيا وكنتيجة‬ ‫ً‬ ‫ً‬ ‫النهضةيطانيا‬ ‫أصبحت بر‬ ‫فيها‪،‬‬ ‫طبيعيةكبيرا‬ ‫لبريطانيا دورا‬ ‫وكنتيجةدول‬ ‫واحدة من أهم‬ ‫الريادي في‬ ‫لدورها‬ ‫ً‬ ‫مستوىدول‬ ‫العالم‬ ‫واحدةعلى‬ ‫واألكاديميين‬ ‫العالم إنتاجا‬ ‫من أهم‬ ‫للعلماءالنهضة‬ ‫الريادي في‬ ‫طبيعية لدورها‬ ‫ً‬ ‫العالمالتي‬ ‫مستوىاألسباب‬ ‫املختلفة‪.‬علىومن أهم‬ ‫املجاالت‬ ‫معظم‬ ‫وفي للعلماء واألكاديميين‬ ‫العالم إنتاجا‬ ‫أدت إلى حصول‬ ‫وخولتها‬ ‫بريطانيا‬ ‫السمعة التي‬ ‫ومنعلىأهمهذهاألسباب‬ ‫املختلفة‪.‬‬ ‫وفي معظم املجاالت‬ ‫لتكون أفضل الخيارات لتوجه الط الب من شتى‬ ‫أدت إلى حصول بريطانيا ً على هذه السمعة وخولتها‬ ‫أصقاع العالم بحثا عن أحدث املناهج العلمية وأكثرها‬ ‫لتكون أفضل ً‬ ‫ب من‬ ‫لتوجه الط ال‬ ‫عندمارات‬ ‫تطورا‪ .‬الخيا‬ ‫شتىراكز‬ ‫واملعاهد وامل‬ ‫الجامعات‬ ‫نتحدث عن‬ ‫ً‬ ‫وأكثرها‬ ‫املناهج‬ ‫بحثا عن‬ ‫أصقاع العالم‬ ‫طويلة‬ ‫العلميةقائمة‬ ‫نتحدث عن‬ ‫أحدثفإننا‬ ‫البريطانية‪،‬‬ ‫التعليمية‬ ‫ً‬ ‫والفنون‬ ‫واملراكز‬ ‫واملعاهد‬ ‫نتحدث عن‬ ‫واآلداب‬ ‫الجامعاتالعلوم‬ ‫املشرقة فى تاريخ‬ ‫عندما املنارات‬ ‫تطورا‪ .‬من‬ ‫وجامعة‬ ‫فإننا مثل‪:‬‬ ‫الصناعات‬ ‫التعليمية وكافة‬ ‫أكسفورد‪،‬طويلة‬ ‫جامعةعن قائمة‬ ‫نتحدث‬ ‫البريطانية‪،‬‬ ‫وجامعة‬ ‫إدنبرة‪،‬‬ ‫وجامعة‬ ‫يورك‪،‬‬ ‫وجامعة‬ ‫كمبريدج‪،‬‬ ‫من املنارات املشرقة فى تاريخ العلوم والفنون واآلداب‬ ‫لندن‪ ،‬وجامعة ليدز‪ ،‬ومئات غيرها من الجامعات‬ ‫وكافة الصناعات مثل‪ :‬جامعة أكسفورد‪ ،‬وجامعة‬ ‫املتخصصة‪ ،‬والتى حققت إنجازات كبيرة للبشرية‬ ‫وجامعة إدنبرة‪ ،‬وجامعة‬ ‫كمبريدج‪ ،‬وجامعة يورك‪،‬‬ ‫جمعاء فى مختلف املجاالت‪.‬‬

‫لندن‪ ،‬وجامعة ليدز‪ ،‬ومئات غيرها من الجامعات‬ ‫التعليميةللبشرية‬ ‫البيئة كبيرة‬ ‫إنجازات‬ ‫ويأتيوالتى‬ ‫املتخصصة‪،‬‬ ‫ّ‬ ‫اإلبداعية التى توفرها نظم التعليم أكثر على االندماج باملجتمع وثقافاته املتعددة التى يعايشها‪ ،‬وهو األمر الذي يعد‬ ‫هذا‬ ‫حققتبسبب‬ ‫التميز‬ ‫املجاالت‪.‬‬ ‫جمعاء فى مختلف‬ ‫مدى عقود متتالية حيث تعمل على تطوير اإلمكانيات العلمية دراسة مضافة إلى دراسته املتخصصة‪ ،‬كونه يتعايش مع مجموعة عريضة من‬ ‫البريطانية على‬ ‫ً‬ ‫والفكرية للطالب‪ ،‬وجعله دائما في مواكبة تطورات الحاضر وتطلعات املستقبل‪ ،‬الجنسيات والثقافات فيتشبع بمفاهيم التعايش مع األخرين‪ .‬ا‬

‫ويأتي هذا إلى ّ‬ ‫نظمتعتبر من‬ ‫البريطانية التى‬ ‫التعليمية‬ ‫للمؤسسات‬ ‫البيئة العالية‬ ‫معايير الجودة‬ ‫التعليم أكثر على االندماج باملجتمع وثقافاته املتعددة التى يعايشها‪ ،‬وهو األمر الذي يعد‬ ‫التى توفرها‬ ‫اإلبداعية‬ ‫التعليمية‬ ‫جانب بسبب‬ ‫التميز‬ ‫شهادة‬ ‫الجامعات العاملية‬ ‫تطوير من‬ ‫جعل العديد‬ ‫العالم‪،‬‬ ‫األفضل على‬ ‫البكالوريوس‪:‬إلى دراسته املتخصصة‪ ،‬كونه يتعايش مع مجموعة عريضة من‬ ‫اسة مضافة‬ ‫اإلمكانيات‬ ‫الذي على‬ ‫حيثاألمرتعمل‬ ‫مستوىالية‬ ‫عقود متت‬ ‫ضمن مدى‬ ‫البريطانية على‬ ‫العلمية در‬ ‫شهادة البكالوريوس هي عبارة عن برنامج من ‪ 3‬سنوات يتم في إحدى الجامعات‬ ‫املرموقة تحاول أن تسير ًعلى نهج املؤسسات التعليمية البريطانية‪.‬‬ ‫والفكرية للطالب‪ ،‬وجعله دائما في مواكبة تطورات الحاضر وتطلعات املستقبل‪ ،‬الجنسيات والثقافات فيتشبع بمفاهيم التعايش مع األخرين‪ .‬ا‬ ‫وتتنوع الدراسة فى بريطانيا على مجال واسع وعريض من التخصصات املختلفة‬

‫إلى جانب معايير الجودة العالية للمؤسسات التعليمية البريطانية التى تعتبر من‬ ‫ونظام التعليم املتعددة والتى تشملها املنشآت التعليمية البريطانية التى ال يقل‬

‫أو كليات التعليم العالي‪ .‬يتقدم الطلب إلى الجامعات البريطانية من خلل‬

‫خدمة القبول بالجامعات والكليات ا"يوكاس " وهي وكالة مركزية حكومية تقوم‬

‫ضمن األفضل على مستوى العالم‪ ،‬األمر الذي جعل العديد من الجامعات العاملية شهادة البكالوريوس‪:‬‬ ‫عددها عن ‪ 3000‬منشأة تتنوع مابين مدراس‪ ،‬وكليات وجامعات تشمل جميع بتنسيق الطلبات لكل جامعة‪ .‬بإمكان الطلب وضع خمسة خيارات على الطلب‬ ‫إحدى الجامعات‬ ‫التي يتم‬ ‫سنوات‬ ‫برنامج من ‪3‬‬ ‫مجموعةعن‬ ‫هي عبارة‬ ‫البكالوريوس‬ ‫شهادة‬ ‫التعليمية‬ ‫بلعلى نهج‬ ‫تسير‬ ‫املرموقة تحاول أن‬ ‫املؤسساتمستوى‬ ‫تزود فيالطلب‬ ‫االختصاصات‬ ‫كبيرة من‬ ‫تتوفر‬ ‫يقدمونه‪ ،‬حيث‬ ‫البريطانية‪.‬أو العالي أو الجامعي الذين‬ ‫التعليم املنهي‬ ‫استثناء‪ ،‬سواء على‬ ‫التخصصات‬ ‫ً‬ ‫الجامعات البريطانية من خلل‬ ‫الطلب‬ ‫العالي‪.‬‬ ‫اللزمةالتعليم‬ ‫كليات‬ ‫املختلفة أو‬ ‫التخصصات‬ ‫واسع‬ ‫العليا‪،‬مجال‬ ‫اساتعلى‬ ‫بريطانيا‬ ‫وتتنوع الدراسة فى‬ ‫من مختلف‬ ‫من طالب سنويا‬ ‫وعريض ألف‬ ‫أكثر من ‪400‬‬ ‫إلىراسة‪.‬‬ ‫من الد‬ ‫يتقدم للمزيد‬ ‫الوظائف أو‬ ‫للعديد من‬ ‫باملهارات‬ ‫وتسقبل‬ ‫واألكاديمي والدر‬ ‫ونظام دول‬ ‫سواء فى‬ ‫املختلفة‬ ‫التعليميةالطلبية‬ ‫املنشآت الخدمات‬ ‫تشملها الستيعاب‬ ‫والتىفهي مهيأة‬ ‫ولذلك‬ ‫التعليم العالم‪،‬‬ ‫يقل ا خدمة القبول بالجامعات والكليات ا"يوكاس " وهي وكالة مركزية حكومية تقوم‬ ‫التى ال‬ ‫البريطانية‬ ‫املتعددة‬

‫للقبول في‬ ‫املتوقعة‬ ‫الطلب‬ ‫علمات‬ ‫الجامعات‬ ‫وجامعات تشمل جميع تقوم‬ ‫ياتوغيرها‪.‬‬ ‫والسكنية‬ ‫املعيشية‬ ‫الثقافية أو‬ ‫‪3000‬الدراسية‬ ‫عددها عنالجوانب‬ ‫خمسةإلىخياجانب‬ ‫وضع درجة‪،‬‬ ‫ات على الطلب‬ ‫الطلب‬ ‫بإمكان‬ ‫جامعة‪.‬‬ ‫بتقديرلكل‬ ‫الطلبات‬ ‫بتنسيق‬ ‫اس‪ ،‬وكل‬ ‫منشأة أوتتنوع‬ ‫ر‬ ‫مابين مدر‬ ‫ً‬ ‫ويعد املجتمع البريطاني من أكثر املجتمعات العاملية انفتاحا على الثقافات معايير أخرى أثناء عم لية التقدم والقبول في الجامعة‪ ،‬وعلى الطلب أن يختاروا‬ ‫التخصصات بل استثناء‪ ،‬سواء على مستوى التعليم املنهي أو العالي أو الجامعي الذين يقدمونه‪ ،‬حيث تتوفر مجموعة كبيرة من االختصاصات التي تزود الطلب‬ ‫سواء على مستوى االختصاص كجزء من طلب التقدم الجامعي‪ .‬ا‬ ‫والخلفيات واملعتقدات‪ ،‬ويضم أعراقا متعددة تعيش على أرضه ً‬ ‫واألكاديمي والدراسات العليا‪ ،‬وتسقبل أكثرىمن ‪ 400‬ألف طالب سنويا ًمن مختلف باملهارات اللزمة للعديد من الوظائف أو للمزيد من الدراسة‪.‬‬ ‫املهاجرين أو املقيمين‪ ،‬أو على مستو آالف الطلبة الوافدين سنويا‪ ،‬وهو األمر‬

‫ا‬

‫سواء ي‪،‬فى ا‬ ‫الطلبية‬ ‫الخدمات‬ ‫الستيعاب‬ ‫حيويةمهيأة‬ ‫يضفى فهي‬ ‫الذيولذلك‬ ‫دول العالم‪،‬‬ ‫وعلى املستوى‬ ‫وتتنوع شهادة البكالوريرس كاآلتي‪:‬‬ ‫املختلفة الدراس‬ ‫بريطانيا‪.‬‬ ‫الثقافي في‬ ‫أكبر للتنوع‬ ‫ً‬ ‫بتقدير) علمات الطلب املتوقعة للقبول في درجة‪ ،‬إلى جانب‬ ‫الجامعات‬ ‫بريطانيين من كل انحاء العالم‪ * ،‬تقوم‬ ‫غير وغيرها‪.‬‬ ‫والسكنية‬ ‫املعيشية‬ ‫الثقافية أو‬ ‫فاملنشآت أو‬ ‫الجوانب الدراسية‬ ‫اآلداب (‪BA‬‬ ‫بكالوريوس في‬ ‫تشمل طلبا‬ ‫البريطانية‬ ‫التعليمية‬ ‫ً‬ ‫يطاني منمنشعور‬ ‫على االندماج‬ ‫العربي بالغربة‪،‬‬ ‫أكثرالطالب‬ ‫الذير يقلل‬ ‫العامليةويساعده‬ ‫‪)BSc‬التقدم والقبول في الجامعة‪ ،‬وعلى الطلب أن يختاروا‬ ‫العلومعم(لية‬ ‫وبكالوريوسىفيأثناء‬ ‫الثقافات * معايير أخر‬ ‫انفتاحاأكثرعلى‬ ‫املجتمعات‬ ‫األمر الب‬ ‫ويعد املجتمع‬

‫والخلفياتباملجتمع‬ ‫وثقافاتهويضم أعراقا متعددة تعيش على أرضه سواء على مستوى‬ ‫واملعتقدات‪،‬‬ ‫ً‬ ‫املهاجرين أو املقيمين‪ ،‬أو على مستوى آالف الطلبة الوافدين سنويا‪ ،‬وهو األمر ‪ 1‬ا‬

‫االختصاص كجزء من طلب التقدم الجامعي‪ .‬ا‬

‫الذي يضفى حيوية أكبر للتنوع الثقافي في بريطانيا‪ .‬وعلى املستوى الدراس ي‪ ،‬وتتنوع شهادة البكالوريرس كاآلتي‪:‬‬

34

TENDERS

TENDERS EGYPT IMPLEMENTING THE WATER, WASTE WATER & IRRIGATION WATER UTILITIES AT THE REMAINING PARTS OF THE CITY NORTHERN EXTENSIONS Document Cost: LE2,500 Bid Bond: LE1,000,000 Performance Bond: 5 % Contact New Urban Communities Authority, 6th October City Development Agency Tel: 02 - 38361854/ 38361850 Deadline: 29/11/2015

CONSTRUCTION OF A YOUTH CENTRE ON 15 FEDDANS LAND AT THE CITY’S SERVICES CENTRE Document Cost: LE1,000 Bid Bond: LE600,000 Performance Bond: 5% Contact General Authority for New Urban Societies, New Qena City Development Agency Tel: 096 - 5223947 Deadline: 29/11/2015

OMAN SUPPLY OF SURGICAL ITEMS FOR CATHLAB AT ROYAL HOSPITAL Tender No: 51/2015 Document Cost: OR175 Contact Oman Tender Board Muscat Oman PO Box 787/133 Al Khuwair Tel: +968 24602652 Email: Tenderom@Omantel.net.om Website: http://www.tenderboard.gov.om/ eng/ Deadline: 14/12/2015

PROVISION OF OUTSOURCING MATERNITY SERVICES AT SOHAR HOSPITAL- NORTH BATINAH GOVERNORATE TO PRIVATE HOSPITAL Tender No: 50/2015 Document Cost: OR2000 Contact Oman Tender Board Muscat

Oman PO Box 787/133 Al Khuwair Tel: +968 24602652 Email: Tenderom@Omantel.net.om Website: http://www.tenderboard.gov.om/eng/ Deadline: 07/12/2015

QATAR QATAR – REQUIRES UK CONTRACTORS WITH DEWATERING EXPERTISE Qatari company seeks JV partner with dewatering expertise to target QRail, Lusail & general infrastructure work.

Well established Qatari contracting company wishes to set up a JV partnership with a British dewatering contracting company with the purpose of becoming a subcontractor for Qatar Rail, Lusail Real Estate Development co and general infrastructure work.

Expectations: The UK company should have expertise and experience in dewatering contracting, soil stabilization, how to dispose of water.

Ideally they will have equipment (but not essential) Ideally they would be willing to invest, but again not necessarily essential as the Qatari partner may finance the venture.

Next Steps: UKTI Doha will arrange business matching meetings with GM of Qatari company once potential UK company is identified. www.exportingisgreat.gov.uk/opportunities/ qatar-requires-uk-contractors-withdewatering-expertise/

TENDERS FROM QATAR PETROLEUM Qatar Petroleum recently announced the introduction of a ‘tender issue period’ which means that QP tender documents will only now be available for a limited period.

QP states that tenders published in newspapers and on the QP website will be available for collection for a period of one week only – “the tender issue period” – unless otherwise indicated.

Prospective bidders will be able to collect tender documents during the specified tender issue period only, irrespective of whether the submission deadline has passed.

QP states that “requests for issuance of tenders after the specified tender issue period will not be entertained”.

For further information see: https://www.qp.com.qa/en/ SUPPLYMANAGEMENT/Tenders/Pages/ QPViewTenders.aspx?TenderId=30993&awdT ype=latesttenders

SAUDI ARABIA CENTRALIZED BUILDING MANAGEMENT SYSTEM FOR RC BUILDINGS Tender No: 114-C84 Scope of work Consists of reading, monitoring and controlling all available equipment, systems and facilities under the scope of the Buildings Department. The project shall cover the following: Existing Building Management Systems (BMS’s) (when available), HVAC equipment/systems , Fire alarm systems, Lighting, LV main power supply, Elevators, Security system alarms, Potable water supply, Sound systems and Energy Consumption.

Scope includes system design, supply, installation, testing and commissioning of all required systems/sub-systems with all required materials and associated accessories, hardware and software. The systems shall have logging (recording) capabilities. Moreover, Scope shall cover training and one year of technical support.

Contact - Royal Commission for Jubail and Yanbu (Jubail) PO Box 31961 Jubail, Saudi Arabia Tel: 0133413000 http://www.rcjy.gov.sa Deadline: 14/12/2015

SUPPLY & INSTALLATION OF NEW PAD MOUNTED SWITCHGEAR, METERING SWITCHGEAR, MV CABLES & RELATED ELECTRICAL ACCESSORIES IN NEW RCHQ BUILDING Tender No: 6521 Purchase Order Includes Procurement, Construction, Installation, Testing and Commissioning for a Complete Operational Pad Mounted Switchgear, Pad Mounted Metering, MV Cables and Manhole. The Project is located in the New RCHQ Building at Madinat Yanbu Al-Sinaiyah. Period of Performance 232 days Contact Royal Commission for Jubail and Yanbu (Yanbu) PO Box 30031 Yanbu, Saudi Arabia Tel: 3216000 http://www.rcjy.gov.sa Deadline: 16/12/2015

TENDERS

UAE PURCHASE OF SUCTION (VACUUM) EXCAVATOR MOUNTED ON 6 X 6 AWD TRUCK Tender No: 2211500031 Document Cost: AED1000 Contact Dubai Electricity & Water Authority Office of the Contracts Manager Zabeel East, PO Box 564, Dubai Tel: + 971 4 3244444 Fax: + 971 4 3248111 Email: contracts@dewa.gov.ae Website: www.dewa.gov.ae Deadline: 26/11/2015

PARTIAL RETUBING OF STAGE # 2 IN DESAL # 4 AT ‘E’ STATION PHASE-I, JEBEL ALI Tender No: 2121500062 Document Cost: AED200 Contact Dubai Electricity & Water Authority Office of the Contracts Manager Zabeel East, PO Box 564, Dubai Tel: + 971 4 3244444 Fax: + 971 4 3248111 Email: contracts@dewa.gov.ae Website: www.dewa.gov.ae Deadline: 26/11/02015

SUPPLY, INSTALLATION, TESTING & COMMISSIONING OF HASSYAN COAL (HSYNCOAL) 400KV STATION AND ASSOCIATED MODICIATION WORKS Tender No: 2131500045 Document Cost: AED5000 Contact Dubai Electricity & Water Authority Office of the Contracts Manager Zabeel East, PO Box 564, Dubai Tel: + 971 4 3244444 Fax: + 971 4 3248111 Email: contracts@dewa.gov.ae Website: www.dewa.gov.ae Deadline: 25/11/2015

INSTALLATION OF LOW VOLTAGE CABLES, DRILLING UNDER THE ROADS AND INSTALLATION OF MINI DISTRIBUTION PILLARS Tender No: 2121500061 Document Cost: AED500 Contact Dubai Electricity & Water Authority Office of the Contracts Manager Zabeel East, PO Box 564, Dubai Tel: + 971 4 3244444 Fax: + 971 4 3248111 Email: contracts@dewa.gov.ae Website: www.dewa.gov.ae Deadline: 06/12/2015

DISTRIBUTION AUTOMATION PROJECT FOR 300 NOS. DISTRIBUTION SUBSTATIONS - DA SMART GRID PROGRAMME

MITIGATION ACTIONS ON 400KV TRANSFORMERS FOUND WITH OIL CONTAINING CORROSIVE SULPHUR AND DBDS.

Tender No: 2131500053 Document Cost: AED2000 Contact Dubai Electricity & Water Authority Office of the Contracts Manager Zabeel East, PO Box 564, Dubai Tel: + 971 4 3244444 Fax: + 971 4 3248111 Email: contracts@dewa.gov.ae Website: www.dewa.gov.ae Deadline: 17/12/2015

Tender No: 2121500001 Document Cost: AED500 Contact Dubai Electricity & Water Authority Office of the Contracts Manager Zabeel East, PO Box 564, Dubai Tel: + 971 4 3244444 Fax: + 971 4 3248111 Email: contracts@dewa.gov.ae Website: www.dewa.gov.ae Deadline: 10/12/2015

SUPPLY, INSTALLATION, TESTING & COMMISSIONING OF DIGITAL ACCESS CONTROL SYSTEM PHASE II FOR SUBSTATIONS

EXPRESSION OF INTEREST CONSULTANCY SERVICES FOR THE CONSTRUCTION OF DEWA HEAD QUARTER OFFICE BUILDING (B+P+20) AND ASSOCIATED FACILITIES AT JADAF

Tender No: 2131500062 Document Cost: AED2000 Contact Dubai Electricity & Water Authority Office of the Contracts Manager Zabeel East, PO Box 564, Dubai Tel: + 971 4 3244444 Fax: + 971 4 3248111 Email: contracts@dewa.gov.ae Website: www.dewa.gov.ae Deadline: 16/12/2015

SUPPLY OF 33KV & 11KV POWER CABLES Tender No: 2051500053 Document Cost: AED1000 Contact Dubai Electricity & Water Authority Office of the Contracts Manager Zabeel East, PO Box 564, Dubai Tel: + 971 4 3244444 Fax: + 971 4 3248111 Email: contracts@dewa.gov.ae Website: www.dewa.gov.ae Deadline: 14/12/2015

REPLACEMENT OF EXISTING WATER DELUGE SYSTEM WITH WATER MIST SYSTEM AT AL FAHIDI 132/11KV SUBSTATION Tender No: 2131500061 Document Cost: AED500 Contact Dubai Electricity & Water Authority Office of the Contracts Manager Zabeel East, PO Box 564, Dubai Tel: + 971 4 3244444 Fax: + 971 4 3248111 Email: contracts@dewa.gov.ae Website: www.dewa.gov.ae Deadline: 14/12/2015

Contact Dubai Electricity & Water Authority Office of the Contracts Manager Zabeel East, PO Box 564, Dubai Tel: + 971 4 3244444 Fax: + 971 4 3248111 Email: contracts@dewa.gov.ae Website: www.dewa.gov.ae Deadline: 08/12/2015

ELECTRIC VEHICLE-CHARGE POINT MANAGEMENT SYSTEM (CPMS) Tender No: 2131500054 Document Cost: AED1000 Contact Dubai Electricity & Water Authority Office of the Contracts Manager Zabeel East, PO Box 564, Dubai Tel: + 971 4 3244444 Fax: + 971 4 3248111 Email: contracts@dewa.gov.ae Website: www.dewa.gov.ae Deadline: 08/12/2015

35

36

ARABIC SECTION

ADVERT

DOING BUSINESS 2016

DOING BUSINESS IN THE MENA 2016: WORLD BANK’S LATEST REPORT The pace of business regulatory reforms picked up during the past year in the Middle East and North Africa, despite conflict and turmoil in the region, says the World Bank Group’s annual ease of doing business measurement.

The pace of business regulatory reforms picked up during the past year in the Middle East and North Africa, despite conflict and turmoil in the region, says the World Bank Group’s annual ease of doing business measurement.

Released on 27 October, the World Bank’s Doing Business 2016: Measuring Regulatory Quality and Efficiency report finds that 11 of the region’s 20 economies implemented a total of 21 reforms facilitating the ease of doing business. This is a significant increase compared to the annual average of 16 reforms during the past five years.

The UAE is the region’s top ranked economy, with a global ranking of 31, while countries experiencing conflict and violence are among the world’s lowest ranked, including Iraq (ranked 161), Libya (188), Syria (175) and Yemen (170).

“Despite the turmoil in several economies in the Middle East and North Africa, the pace of business reforms activity in the region is encouraging,” said Rita Ramalho, Manager of the Doing Business project, which produces the annual report.

“There is a lot of room for improvement, however. The share of economies reforming in the region remains lower than the global average, and Getting Credit is harder in the Middle East and North Africa than anywhere else, partly due to the absence of comprehensive credit bureaus that provide information relevant for assessing creditworthiness.”

Morocco and the UAE continue to lead the region in reform activity as both economies undertook four reforms each during the past year. Morocco made Starting a Business easier by eliminating the need to file a declaration of business incorporation with the Ministry of Labour.

The UAE was the only economy in the region that reformed in the area of Enforcing Contracts. As a result, commercial disputes in the UAE are now resolved in 495 days, which is less than the average of 538 days in

the high-income Organization for Economic Cooperation and Development (OECD) economies.

time for exports and imports by transferring cargo operations from Sultan Qaboos Port to Sohar Port.

Both Saudi Arabia and Oman improved the most globally in the areas of Registering Property and Getting Electricity, respectively. Saudi Arabia introduced a new computerized land registry system. It now takes an entrepreneur only six days to register property in Saudi Arabia, faster than in the Republic of Korea.

The Comoros was one of the countries to establish a new credit bureau or registry in 2014/15, the report observes. The new registry began distributing information on bank loans and outstanding payments in November 2014.

Oman enhanced its measurements and tracking of power outages, making it is easier to assess the reliability of the electrical grid and its effect on the productivity of firms.

The UAE made it easier for companies to enforce contracts by expanding court automation. It implemented an electronic notification system which allows an initial summons to be served electronically.

The report says that Algeria and Morocco took action to make it easier to start a business in their countries by simplifying preregistration and registration formalities (such as publication, notarization, inspection and other requirements).

In 2014/15 Doing Business recorded several reforms relating to workers’ eligibility for different benefits as well as workplace equality and social protection. It points out, for example, that Morocco implemented an unemployment insurance scheme.

Meanwhile, Kuwait reduced its minimum capital requirement on new companies.

Economies in the region carried out the most reforms in the area of Getting Electricity (4 reforms), followed by Starting a Business (3), Dealing with Construction Permits (3) and Trading Across Borders (3).

With regards to construction permits, Algeria eliminated the legal requirement to provide a certified copy of a property title when applying for a building permit.

Tunisia has improved international trade practices in the past year, the report says.

The country facilitated trade through the port of Rades by increasing the efficiency of its state-owned port handling company and by investing in port infrastructure.

One important structural improvement at the port was the extension of the dock to increase terminal capacity.

In order to make it easier to register property, Morocco established electronic communication links between different tax authorities.

The improvements in hard and soft infrastructure at the port reduced border compliance time for both exporting and importing, saving traders in Tunisia 48 hours per shipment.

Mauritania reduced the documentary burden on importers to the country when it eliminated requirements for two import documents. It also improved electronic submission and processing of documents.

Both Oman and Qatar improved their port procedures. Oman reduced port handling

Challenges, however, remain in a number of areas. For example, on Starting a Business, it costs an average of 26 percent of income per capita for local entrepreneurs to start their business, compared to 3 percent in the OECD. This year’s Doing Business report completes a two-year effort to expand benchmarks that measure the quality of regulation, as well as the efficiency of the business regulatory framework, in order to better capture realities on the ground.

On the five indicators that saw changes in this report – Dealing with Construction Permits, Getting Electricity, Enforcing Contracts, Registering Property and Trading Across Borders – Middle East and North Africa economies do not perform well. On Getting Electricity, for instance, the new dataset finds that several regional economies face either frequent outages or do not track them adequately.

The ranks of other large economies in the region are Algeria (163), Egypt (131), Morocco (75), Qatar (68), Saudi Arabia (82) and Tunisia (74).

World Bank, 27/10/2015

37

38

ECONOMICADVERTORIAL FOCUS CHAMBER NEWS

ADVERTORIAL

ADCB and Santander have forged an innovative and dynamic partnership Abu Dhabi Commercial Bank (ADCB) was established in 1985 and is now one of the UAE’s largest and most respected banks.

As at the end of March 2015 ADCB employs in excess of 4,000 staff (of 62 nationalities) and serves some 600,000 retail and 50,000 corporate clients across a network of 48 branches in the UAE together with overseas branches in India, Jersey and representative offices in London and Singapore. Total assets (end March 2105) exceed GBP 36.6 Billion with a market capitalisation (excluding treasury shares) of approximately GBP 6.0 billion.

ADCB is a full service commercial bank offering a full range of retail banking, wealth management, private banking, corporate and commercial banking, investment banking, foreign exchange, interest rate and currency derivatives and Islamic products/structures, project finance and property management.

ADCB established a representative office in London in 2014 and provides advisory services, referral and introduction to corporate and commercial clients in the UK wishing to avail of trade, cash and treasury services in the UAE for which the bank has enjoyed an unrivalled series of major awards. The office also works with UK partners organisations and specialists to support their UAE clients requiring banking services in the UK market. In the UK the bank has formed an alliance with Santander UK to serve and support those of their clients who seek to take advantage of the dynamic and fast-growing export to the UAE, now one of the UK’s Top 10 export markets.

Santander Group is a diverse retail and commercial bank with 1,157 branches in the UK and around 14,000 worldwide; more than any other international bank.

between the UK market the UAE and wider GCC and MENA markets. ADCB and Santander are proud to support the work of the Arab British Chamber and their membership.

ADCB Awards: Santander in the UK provide strong local knowledge and expertise and are increasingly the bank of choice for ambitious businesses seeking to expand internationally. Working closely together – and both as active members of the Arab British Chamber of Commerce in the UK – the two banks have forged an innovative and dynamic partnership in driving bilateral trade for UK and UAE businesses alike. Through Santander’s award-winning Trade Portal commercial and corporate entities are able to identify and explore potential trade relationships in new markets such as the UAE which the two banks are then able to support through appropriate cash, trade and risk management solutions.

ADCB and Santander owe their success to their relationship approach; looking to harness a full understanding of client businesses and their unique requirements. The banks deliver a customer-centric and service-led model and are proud to increasingly be the banks of choice to support ventures

l

Best for Cash Management, UAE 2015 – Euromoney

l

Best Trade Finance Provider in the UAE 2015- Euromoney

l

Best Bank for Cash Management in the Middle East 2015- Global Finance

l

Best Supply Chain Finance Provider Award, Middle East 2015- Global Finance

l

Best Trade Finance Bank in UAE 2015Global Finance

Santander Awards: l

Best Business Current Account Provider - Business Moneyfacts 2015

l

Best International Solutions Provider Business Moneyfacts 2015

l

Innovation in the SME Finance Sector (Santander Trade Portal) - Business Moneyfacts 2015

l

Business Bank of the Year - Business Moneyfacts 2015

TRADE SERVICES

ARAB BRITISH CHAMBER OF COMMERCE www.abcc.org.uk

FOREIGN OFFICE SERVICE

39

40

UK ECONOMY

UK SPENDING REVIEW Highlights of the UK spending review and autumn statement as announced by the Chancellor George Osborne on 25 November.

GROWTH FORECAST

allowances. Energy generation is to be excluded from the venture capital schemes, to ensure that they remain well-targeted at higher risk companies.

Growth of 2.4% forecast for 2015-6, unchanged from July’s Budget;

CORPORATION TAX

Forecast growth in 2016-7 and 2017-8 revised up to 2.4% and 2.5% respectively.

A policy document entitled Corporation Tax and Income Tax: capital allowances and leasing - anti-avoidance sets out proposals to prevent businesses obtaining tax advantages by either manipulating disposal values leading to excess capital allowances, or receiving a consideration in a non-taxable form in return for agreeing to take over tax deductible lease payments. The proposed measure is two parts:

Key Announcements:

BUSINESS, SCIENCE, ENERGY AND THE ENVIRONMENT n 26 new enterprise zones to be created or extended n Uniform business rates to be abolished, with councils and elected mayors allowed to cut or raise rates under certain conditions n Councils to keep all business rates income by 2020 with central block grant phased out n Science budget to rise in real terms to £4.7bn n Apprenticeship levy set at 0.5% of employer wage bill, with £15,000 allowance for eligible firms n Funding for flood defence to be protected in real terms n Scheme to develop “carbon capture and storage” technology at power stations axed n Energy Companies Obligation to be replaced in March 2017 and Renewable Heat Incentive cut by £700m n Big energy users such as the steel and chemicals industries to be exempt from environmental tariffs.

INFRASTRUCTURE AND TRANSPORT n Capital funding of transport projects to rise by 50% by 2020 n £250m support for motorways and other roads in Kent to relieve pressure caused

by Operation Stack n Electrification of the Trans-Pennine, Midland Mainline and further sections of the Great Western Railway to go ahead.

TAX In the Summer Budget, the government announced that revenue of some £5 billion would come from measures on tax avoidance, evasion and imbalances. Building on this, the Chancellor announced new penalties for the General Anti-Abuse Rule (GAAR), action on disguised remuneration schemes and stamp duty avoidance, and he said there would measures to stop abuse of the intangible fixed assets regime and capital

Capital allowances and leasing

- firstly, it prevents a person using an artificially low disposal value for capital allowances purposes on the disposal of plant or machinery where tax advantage is one of the main purposes of the arrangements which include that disposal; and - it brings into tax as income, if not already so taxed, any consideration receivable by a person, or a connected person, for agreeing to take over payments under a lease for which that person can claim tax deductions.

For both parts the measure will apply to appropriate transactions that take place on or after 25 November 2015.

INTANGIBLE ASSETS Changes are to be made to the rules governing intangible fixed assets include specific provisions that will apply the commencement rules to partnerships and will confirm how these rules have effect with regard to intangible fixed assets that are acquired or disposed of by a partnership.

The changes make it clear that transfers of intangible assets to a partnership with companies as members will not circumvent the intangible fixed assets commencement rules that would otherwise apply to those corporate members. The measure applies to transactions taking place on or after 25 November 2015.

Loan relationships and derivative contracts interaction with accounting standards The tax rules for loan relationships and derivative contracts are to be updated to ensure that they interact correctly with new accounting standards in three specific circumstances.

loans or advances made by close companies to charity trustees for charitable purposes.

The legislation, which will be included in Finance Bill 2016, will apply to qualifying loans or advances that are made on or after 25 November 2015.

STAMP TAXES SDLT on acquisition of additional properties From 1 April 2016, higher rates of stamp duty land tax (SDLT) will be charged on purchases of additional residential properties (above £40,000), such as buy to let properties and second homes. The higher rates will be 3 percentage points above the current SDLT rates.

The higher rates will not apply to purchases of caravans, mobile homes or houseboats, or to corporates or funds making significant investments in residential property given the role of this investment in supporting the government’s housing agenda.

The government will consult on whether an exemption for corporates and funds owning more than 15 residential properties is appropriate.

SDLT PAYMENT A consultation is to be undertaken on possible changes to the SDLT filing and payment process, including a reduction in the filing and payment window from 30 days to 14 days. It is expected that any changes would take effect from 2017-18.

ATED and 15% higher rate SDLT From 1 April 2016 the reliefs available from Annual Tax on Enveloped Dwellings (ATED) and from the 15% higher rate of SDLT will be extended to equity release schemes (home reversion plans), property development activities and properties occupied by employees.

SDLT AND AUTHORISED PROPERTY FUNDS A seeding relief will be introduced for Property Authorised Investment Funds (PAIFs) and Co-ownership Authorised Contractual Schemes (CoACSs) and changes made to the SDLT treatment of CoACSs investing in property so that SDLT does not arise on the transactions in units.

Close company loans to participators: partial exemption for charities

There will be a defined seeding period of 18 months, a 3 year clawback mechanism, and a portfolio test of 100 residential properties and £100 million value or 10 non-residential properties and £100 million value.

Following consultation, the government will legislate so that a tax charge will not apply to

These changes will take effect from the date of Royal Assent to Finance Bill 2016.

BUSINESS EVENTS

BUSINESS EVENTS, TRADE FAIRS AND CONFERENCES IREF SUMMIT 2015 1-2 December 2015 The Jumeirah Carlton Tower, Knightsbridge, London Contact - ICG-Events Email: info@icg-events.com www.irefsummit.co.uk GAS AS A MARINE FUEL Full-day master class on gas as a marine fuel, the regulatory environment and opportunities in this embryonic industry 3 December 2015 Central London Contact - Martin Hughes SMi Tel: +44 (0) 20 7827 6078 Email: mhughes @smi-online.co.uk www.smi-online.co.uk/2015gasmarinefuel.asp A SUSTAINABLE FOOD FUTURE CONFERENCE: Production, Supply and Consumption 7-8 December 2015 Chatham House, London Contact - The Royal Institute of International Affairs Chatham House 10 St James’s Square, London SW1Y 4LE Tel: +44 (0)20 7957 5729 Email: conferences@chathamhouse.org http://www.chathamhouse.org/conferences GULF TRAFFIC Exhibition, Conference, Training 7-9 December 2015 Dubai International Convention & Exhibition Centre, UAE Contact - Allyson Smith Group Marketing Manager Email: allyson.smith@informa.com www.gulftraffic.com PROJECT IRAQ 10th International Trade Exhibition for Construction Materials & Equipment & Environmental Technology Baghdad International Fair Ground, Baghdad, Iraq 7-9 December 2015 Contact - Ms Rania Houjeij Tel: +961 5 959 111 Ext 112 Fax: +961 5 955 361 Email: rania.houjaij@ifpexpo.com http://www.project-iraq.com/baghdad MEDICARE IRAQ International Healthcare Exhibition & Conference Baghdad International Fair Ground, Baghdad, Iraq 8-10 December 2015 Contact - IFP Group Tel: +964-771-9106628 Mobile: +964-750-8943358 Email: Ibrahim.serhal@ifpiraq.com http://www.iraqmedicare.com

THE 6TH INTERNATIONAL SAUDI TRANSTEC EXHIBITION & CONFERENCE - SAUDI TRANSTEC 2015 8 - 10 December, 2015 Dammam, Saudi Arabia Contact International Exhibition Services Email: exhibition@sauditranstec.com http://www.sauditranstec.com/index.php/ contac-us-1

ARAB HEALTH 2016 25 - 28 January 2016 Dubai International Convention & Exhibition Centre, Dubai, UAE Contact Ross Williams Exhibition Manager - Arab Health Tel: +971 4 4072797 Email: ross.p.williams@informa.com www.arabhealthonline.com

BAGHDAD BUILD EXPO International Housing and Building Exhibition Baghdad International Fair Ground, Baghdad, Iraq 10-13 December 2015 Contact Baghdad Build Expo Pyramids Group Tel: +92165752828 Fax: +92165751101 http://www.baghdadbuildexpo.com

6TH BASRA INTERNATIONAL OIL & GAS CONFERENCE AND EXHIBITION 3-6 February 2016 Basra International Fair Ground, Basra, Iraq Contact Expotim International Fair Organisations Email: info@basraoilgas.com Tel: +90 212 356 00 56 http://basraoilgas.com/ContactUs

EUROMONEY QATAR CONFERENCE 9-10 December 2015 The Ritz-Carlton, Doha, Qatar Contact Euromoney Conferences Tel: +44 (0)20 7779 8708 Fax: +44 (0)20 7779 8795 Email: rsvp@euromoneyplc.com www.euromoneyconferences.com THE 2ND GCC-TURKEY BUSINESS AND INVESTMENT FORUM & EXHIBITION ORGANISED

BY THE FEDERATION OF GCC CHAMBERS (FGCCC) WITH THE UNION OF CHAMBERS & COMMODITY EXCHANGES OF TURKEY (TOBB) AND IFP GROUP 10 – 12 December 2015 Istanbul, Turkey Contact - Bassam Atwah Events & Marketing Director – FGCCC Mobile: +966 5 0482 5241 Email: bassamatwah@fgccc.org Websites: www.fgccc.org http://www.gccturkey.com/ “MASTERING THE FOURTH INDUSTRIAL REVOLUTION” WORLD ECONOMIC FORUM ANNUAL MEETING 2016 20-23 January 2016 Davos-Klosters, Switzerland Contact - Fon Mathuros Head of Media Public Engagement WEF Tel: +41 79 201 0211 Email: fma@weforum.org http://www.weforum.org/

SOLAR MIDDLE EAST 1-3 March 2016 DIEC, Dubai, UAE Contact Informa Exhibitions PO Box 9428, Dubai Tel: +971 4 336 5161 Email: info@solarmiddleeast.ae Web: www.solarmiddleeast.ae THE BIG 5 SAUDI ARABIA International Construction Show 7-10 March 2016 Jeddah Centre for Forums and Events Contact Elliott Rizk dmg events Tel: +9714 438 0355 Fax: +9714 438 0356 Email: elliott@micearabia.net www.thebig5saudi.com CITYSCAPE QATAR 2016 Under the Patronage of H E Sheikh Abdullah Bin Nasser Bin Khalifa Al-Thani, The Prime Minister and Minister of the Interior for the State of Qatar 9-11 May 2016 Doha, Qatar Contact - Ahmed Zakaria Exhibition Manager Tel: +971 4 407 2475 Fax: +971 4 335 1891 Email: ahmed.zakaria@informa.com www.cityscapeqatar.com THE HOTEL SHOW SAUDI ARABIA 2016 Jeddah Centre for Forums and Events 17-19 May 2016 Contact - dmg events PO Box 33817 Dubai, UAE Tel: +971 4 438 0355 Fax: +971 4 438 0356 Email: johnsuzara@dmgeventsme.com www.thehotelshowsaudiarabia.com

41

A London law firm with an international mindset Farrer & Co is an independent law firm with a long tradition of advising private families, individuals and charitable institutions which is complemented by our work with businesses and entrepreneurs, from asset managers and sports bodies to banks and international mining companies.

We offer our clients a seamless service across a range of jurisdictions and in particular the Middle East. A number of our lawyers dedicate their practices to clients connected with the Middle East region, with whom we work on a broad and diverse range of legal, family and business issues.

We have acted for clients from the Middle East region for many years and advise on both their onshore and offshore requirements, frequently meeting them in the region. Many of our clients from the region have complicated business interests with assets held all over the world and they will often make use of trusts, foundations or family offices.

“Their practice is truly international and they have a very good and deep team. A delightful firm to deal with.�

Chambers Global

For further information please contact Alison Springett Tel: 020 3375 7369 Email: alison.springett@farrer.co.uk www.farrer.co.uk

@SignorSassi priVaTe rooM aVailaBle

14 Knightsbridge Green, London SW1X 7QL signorsassi@sancarlo.co.uk | T: 0207 584 2277 W W W. s i g n o r s a s s i . c o . u k

Aldo Zilli now part of the San Carlo team

@CicchettiLondon

Cicchetti Covent Garden, 30 Wellington St, London WC2E 7BD | T: 020 7240 6339 215 PICCADILLY, London, W1J 9HL piccadillycicchetti@sancarlo.co.uk | T: 0207 4949435 W W W. s a n c a r l o c i c c h e T T i . c o . u k

Winner of TWenTy TWo presTigious aWards London_Business_Matters.indd 4

17/10/2014 11:27

HELPING TRADE FLOW

Europe Arab Bank is uniquely positioned to help your business take advantage of Europe and North America trade flow and investment opportunities in MENA. As part of the Arab Bank Group, with the largest banking network in the Arab region, you gain seamless access to 16 MENA countries and a network of 600 branches around the world.

Learn more: www.eabplc.com +44 20 7315 8500 Š Europe Arab Bank plc 2014 All Rights Reserved. Registered in England and Wales number 5575857. Registered Office: 13-15 Moorgate, London EC2R 6AD. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Not all products and services are regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

UK

|

AUSTRIA

|

FRANCE

|

GERMANY

|

ITALY

|

SPAIN